Homeowners Insurance Louisiana

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Getting Home Insurance in Louisiana

Homeowners Insurance Louisiana Summer usually brings heat and humidity that can be hard to handle. However, living in Louisiana means summer isn’t the only season where you have to worry about the weather. Owning a home in the Bayou State can bring even more challenges throughout the year, including:
 
  • Natural disasters, like hurricanes
  • Flooding
  • Theft
  • Fire
If you want to keep your home protected, it’s important to have trustworthy homeowners insurance. Louisiana has plenty of perks, but the risks that come with owning a home here can be high.
 
At The Hartford, we’re here to make sure you have the kind of coverages you need, no matter where you live in the state. The key is to make sure you aren’t just looking for the cheapest home insurance in Louisiana, but an insurance company that you know has your back. Whether you live in New Orleans, Baton Rouge, Shreveport, Metairie Terrace or anywhere in between, our homeowners insurance is ready to help protect your property from financial loss. And if you need flood protection on top of your home policy, we can help you find out if your community is part of the National Flood Insurance Program (NFIP). If it is, you can get flood coverage from us, too.
 

How Much Is Homeowners Insurance in Louisiana?

According to the Insurance Information Institute (III), the average cost of homeowners insurance in Louisiana is $1,968. This makes Louisiana one of the most expensive states in the country for home coverage.2
 

Average Costs of Homeowners Insurance in New Orleans

The average price of homeowners insurance in New Orleans will vary depending on your home’s:
 
  • Age
  • Location
  • Replacement cost
Your claims history will also impact your homeowners coverage price.
 
Homeowners insurance New Orleans To find out more about New Orleans homeowners insurance quotes, speak with our representatives today at 888-413-8970. They can help answer any questions you have and guide you through our products and services.
 

Factors Impacting Homeowners Insurance Costs in Louisiana

According to the III, there are many different factors which can influence the premiums you pay for insurance in Louisiana. Some are:
 
  • Your home's total square footage: The larger the house, the higher the premiums will be.
  • Your location: This includes whether you live inland or near the coast.
  • Natural disasters: The likelihood of certain types of disasters, such as hurricanes or flooding, can impact your cost.
  • The building costs in your area: These include your home's construction type, premium materials and unique features.3

Coverages for Homeowners Insurance in Louisiana

Homeowners insurance isn't usually required by law in Louisiana. However, mortgage lenders usually require some level of home insurance coverage before you can get a loan.
 
Most of the Louisiana homeowners policies from The Hartford come with a range of coverages:
 
Dwelling coverage helps protect your Louisiana home and the structures directly attached to it when damaged in a covered loss. This typically includes your:
 
  • Roof
  • Walls
  • Flooring
  • Heating
  • Air conditioning
Personal property coverage is for your personal belongings, such as your:
 
  • Sofas
  • Recliners
  • Dining tables
  • Clothing
  • Appliances
You can buy extra coverage for high-value items, like rare collectibles and jewelry. We also offer custom coverage limits to ensure you get the amount you think your belongings are worth.
 
Personal liability coverage helps pay for your legal defense against a lawsuit. For example, if a guest slips on your doorstep and gets injured, this coverage can help pay for damages that you’re held liable for.
 

More Louisiana Homeowners Insurance Coverages

Equipment breakdown coverage helps pay for mechanical or electrical breakdowns in the home. This includes coverage for:4
 
  • Heating systems
  • Refrigerators
  • Washing machines
  • Lawnmowers
This doesn’t include coverage for normal wear and tear.
 
Other structures coverage helps protect other buildings on your property, including detached garages, fences and even your swimming pool. Some examples of when this coverage is helpful include:
 
  • A tree falling on your shed
  • Someone driving through your fence
Home insurance Louisiana Loss of use coverage helps pay any necessary additional expenses if you can’t live in your home while it’s repaired. For example, if your home is unlivable after a fire, this coverage can help pay hotel fees and living expenses.
 
Medical payments coverage helps pay for medical bills, up to your policy limit, if someone gets hurt on your property. It doesn’t matter if you’re legally responsible for the incident or not.5
 
Replacement cost coverage helps you replace a damaged item with a new one of similar type and quality. It reimburses you for today’s cost, not the lower cash value of your old item.6
 
Valuable items blanket coverage helps pay to replace your valuable items, such as furs, jewelry, collectibles or silverware with a limit of $10,000 per item. With this coverage, you won’t have to pay a deductible if you suffer a covered loss. If you need to insure items for more than $10,000, other endorsements can help you fully cover them.
 

Louisiana Home Insurance Discounts

Whether you work with a homeowners insurance company in Louisiana or home insurance companies located in other areas, the discounts will most likely be different. The best way to see what savings you qualify for is to call each company and ask.
 
Cheapest home insurance in Louisiana We offer several types of home insurance discounts. For instance, when you bundle multiple coverages or improve your home’s security, it can help lower your premiums. You can reach our representatives at 888-413-8970 for more information.
 

Home Security Discount

We want to help you get the cheapest home insurance in Louisiana possible, that’s why we offer rewards for protecting your home. So, if you install devices such as burglar alarms and home fire sprinkler systems, you can lower your rate. However, you don’t have to break the bank to save. You can go for even simpler savings by getting safer locks for your doors or putting up smoke alarms.
 

Retiree Credit

Your life after retirement should be fun and relaxing. That’s why we offer credits to retirees and those who work less than 24 hours a week.
 
To learn more about the benefits of homeowners insurance, call our specialists at 888-413-8970. You can count on us to help you get the coverage your home needs. Throughout our years in business, we’ve consistently received high customer service ratings and are here to help get you the discounts you deserve.
 

Common Questions About Home Insurance in Louisiana

Is Homeowners Insurance Required in Louisiana?

Homeowners insurance is not required in Louisiana. However, it’s important to help keep your property and belongings safe in the event of:
 
  • Natural disasters
  • Fire
  • Hail
  • Wind

What Is the Cheapest Home Insurance in Louisiana?

To find the cheapest home insurance, you’ll want to start by getting multiple quotes and comparing their coverages and prices. You can also:
 
  • Raise your deductible on your current coverage
  • Look into bundling different policies for discounts
  • Add home security systems to get lower rates
You can also ask homeowners insurance companies about discounts you may qualify for. Our specialists can help walk you through our discounts at 888-413-8970.
 
 
2 “A Firm Foundation: How Insurance Supports the Economy,” Insurance Information Institute (III), 2018, https://www.iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/state-fact-sheets/colorado-firm-foundation.
 
3 “Facts + Statistics: Homeowners and Renters Insurance,” Insurance Information Institute (III), https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance.
 
4 This coverage is available for an additional fee and pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment breakdown coverage also provides coverage if you want to make “green” upgrades. It pays up to 125 percent of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. This does not cover normal wear and tear.
 
5 Medical benefits are calculated on the basis of usual, customary, and reasonable charges.
 
6 The Hartford will pay the full cost to rebuild your home, even if it costs up to 125% of your home insurance policy’s coverage.
 
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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