Louisiana Homeowners Insurance: Everything You Need to Know

Homeowners insurance is an essential aspect of owning a home. It protects you financially in case of damage or loss of property, and it provides liability coverage in case of accidents that occur on your property. In Louisiana, homeowners insurance is no different. However, there are specific factors that homeowners in Louisiana need to consider when purchasing insurance. This article will cover everything you need to know about Louisiana homeowners insurance, including coverage options, pricing, and frequently asked questions.

What Does Louisiana Homeowners Insurance Cover?

Louisiana homeowners insurance typically covers the following:

Dwelling Coverage
Covers damage to the physical structure of your home.
Personal Property Coverage
Covers damage to your personal belongings, such as furniture, electronics, and clothing.
Liability Coverage
Covers legal fees and damages if someone is injured on your property or if you cause damage to someone else’s property.
Additional Living Expenses Coverage
Covers expenses if you are unable to live in your home due to damage.

It’s important to note that homeowners insurance does not cover damage caused by floods or earthquakes. You may need to purchase additional coverage for these types of events.

How Much Does Louisiana Homeowners Insurance Cost?

The cost of Louisiana homeowners insurance can vary widely based on several factors, including:

  • The location of your home
  • The age and condition of your home
  • The value of your personal belongings
  • Your credit score
  • Your claims history

On average, Louisiana homeowners pay around $1,900 per year for insurance. However, your individual costs may be lower or higher depending on your specific situation.


What is the Louisiana Citizens Property Insurance Corporation?

The Louisiana Citizens Property Insurance Corporation is a non-profit organization established by the Louisiana Legislature in 2003. It provides insurance coverage for homeowners who cannot obtain coverage through other sources.

What is wind and hail coverage?

Wind and hail coverage is an add-on coverage that provides protection against damage caused by wind or hail. In Louisiana, this coverage is often required due to the state’s high risk of hurricanes.

What is flood insurance?

Flood insurance is a separate policy that covers damage caused by flooding. In Louisiana, flood insurance is essential due to the state’s high risk of flooding.

What is a deductible?

A deductible is the amount of money that you pay out of pocket before your insurance coverage kicks in. For example, if you have a $1,000 deductible and your home is damaged, you will need to pay the first $1,000 of repair costs before your insurance coverage begins.

What can I do to lower my homeowners insurance costs?

There are several things you can do to lower your homeowners insurance costs, including:

  • Shop around and compare quotes from multiple insurance providers
  • Consider raising your deductible
  • Bundle your homeowners insurance with other types of insurance, such as auto insurance
  • Install safety features in your home, such as smoke detectors and security systems
  • Maintain a good credit score


Homeowners insurance is an essential aspect of owning a home in Louisiana. It provides financial protection in case of damage or loss of property, and it provides liability coverage in case of accidents that occur on your property. By understanding your coverage options and taking steps to lower your insurance costs, you can ensure that you are adequately protected without breaking the bank.