At HomeInsurance.com you can compare up to four home insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your Louisiana homeowners insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax while we take care of the rest.
The average Louisiana home insurance rate in December 2011 was $1544.00. It appears that rates have decreased since November 2011 when average rates in Louisiana were around $1554.00. These premiums reflect the annual cost of a standard home policy and do not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Louisiana |
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| Dec 2011 | Nov 2011 | Oct 2011 | Sep 2011 | Aug 2011 |
| $1544.00 | $1554.00 | $1540.00 | $1483.00 | $1473.00 |
Though average Louisiana homeowners insurance premiums have decreased, you should stay mindful of how much you are paying to insure your home. Taking advantage of discounts can make sure your rates stay low while keeping your coverage intact. The biggest savings can usually be found with a home-auto discount which can save you around 20% on your Louisiana policy. Other discounts may be offered for homes that have burglar alarms and deadbolt locks.
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. |
Louisiana Homeowners Insurance News
- Engineers reinforcing levees as flood season approachesMonday, April 09, 2012
- Researchers say 100-year flood events may becoming more commonFriday, February 17, 2012
- Louisiana homeowners insurance rate hikes slowingTuesday, January 17, 2012
- Senator calls for longer extension to NFIPTuesday, December 06, 2011
- Slow-moving system played a part in Southern floods Tuesday, May 17, 2011
Other Louisiana Homeowners Resources:
- Visit our RateReport to see how Louisiana home insurance rates measure up against other parts of the country.
- Do you know what your home insurance covers? Visit home insurance 101 to see what your policy may and may not cover.
- Are you qualifying for all available discounts in Louisiana? Check out our list of available home insurance discounts.
Search for home insurance in your Louisiana county:
- Acadia
- Allen
- Ascension
- Assumption
- Avoyelles
- Beauregard
- Bienville
- Bossier
- Caddo
- Calcasieu
- Caldwell
- Cameron
- Catahoula
- Claiborne
- Concordia
- De Soto
- East Baton Rouge
- East Carroll
- East Feliciana
- Evangeline
- Franklin
- Grant
- Iberia
- Iberville
- Jackson
- Jefferson
- Jefferson Davis
- La Salle
- Lafayette
- Lafourche
- Lincoln
- Livingston
- Madison
- Morehouse
- Natchitoches
- Orleans
- Ouachita
- Plaquemines
- Pointe Coupee
- Rapides
- Red River
- Richland
- Sabine
- Saint Bernard
- Saint Charles
- Saint Helena
- Saint James
- Saint Landry
- Saint Martin
- Saint Mary
- Saint Tammany
- St John The Baptist
- Tangipahoa
- Tensas
- Terrebonne
- Union
- Vermilion
- Vernon
- Washington
- Webster
- West Baton Rouge
- West Carroll
- West Feliciana
- Winn
Customer Reviews in Louisiana
For additional information about specific insurance laws in Louisiana, visit the Louisiana Department of Insurance website.

