Finding competitive, low cost home owners insurance quotes in Louisiana does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive Louisiana home insurance coverage. Rest assured knowing our team of Louisiana licensed insurance consultants are standing by to give you top notch advice on home owners insurance coverages and rates in your area.
The average Louisiana homeowner insurance rate in January 2010 was $1521.00. It appears that rates have increased since December 2009 when average rates in Louisiana were around $1392.00.
Average Premiums for Home Insurance In Louisiana |
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| Sep 2009 | Oct 2009 | Nov 2009 | Dec 2009 | Jan 2010 |
| $1317.00 | $1383.00 | $1389.00 | $1392.00 | $1502.00 |
Since rates have increased in recent months, it’s important to continue to save money and find great coverage on your Louisiana homeowners insurance. Be sure to review your home insurance policy with your local Louisiana insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your Louisiana home owner insurance policy to be sure you are still getting the coverage you need for your home and family.
Standard Louisiana Home Insurance Coverages
| A | Dwelling: A standard Louisiana homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Louisiana home insurance policy |
| C | Contents/Personal Property: A Louisiana home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Louisiana home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Louisiana, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Louisiana MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Other Louisiana Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Louisiana home insurance policy? Quiz yourself!
- homeowner insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Louisiana
- Louisiana Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Louisiana county:
- Winn
- West Feliciana
- West Carroll
- West Baton Rouge
- Webster
- Washington
- Vernon
- Vermilion
- Union
- Terrebonne
- Tensas
- Tangipahoa
- St John The Baptist
- Saint Tammany
- Saint Mary
- Saint Martin
- Saint Landry
- Saint James
- Saint Helena
- Saint Charles
- Saint Bernard
- Sabine
- Richland
- Red River
- Rapides
- Pointe Coupee
- Plaquemines
- Ouachita
- Orleans
- Natchitoches
- Morehouse
- Madison
- Livingston
- Lincoln
- Lafourche
- Lafayette
- La Salle
- Jefferson Davis
- Jefferson
- Jackson
- Iberville
- Iberia
- Grant
- Franklin
- Evangeline
- East Feliciana
- East Carroll
- East Baton Rouge
- De Soto
- Concordia
- Claiborne
- Catahoula
- Cameron
- Caldwell
- Calcasieu
- Caddo
- Bossier
- Bienville
- Beauregard
- Avoyelles
- Assumption
- Ascension
- Allen
- Acadia
For additional information about specific insurance laws in Louisiana, visit the Louisiana Department of Insurance website.
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