Louisiana Home Insurance Quotes
Louisiana home insurance shoppers face unique challenges - and HomeInsurance.com understands that. Here, you can compare up to six home insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your Louisiana Home insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax, and let us take care of the rest.
Our team of licensed agents will shop for your Louisiana home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple LA insurance providers.
Home insurance rates in Louisiana
The average Louisiana Home insurance rate in October 2013 was $1300.00. These rates reflect average premiums on new sold policies by HomeInsurance.com. A standard home insurance policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Average Premiums for Home Insurance In Louisiana
|Oct 2013||Sep 2013||Aug 2013||Jul 2013||Jun 2013|
Since average Louisiana homeowners insurance premiums have increased , you should stay mindful of how much you are paying to insure your home - and where you can save. Taking advantage of discounts can keep your rates low and 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.
Enter your ZIP code in one of the forms above or call 1-877-295-3422 now to start getting Louisiana home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your LA policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
Insurance Rates by County
Do homeowners in your area pay more for home insurance than the state average? Use the chart below to see how average insurance premiums in your county stack up against the average rates in your state.
See what your neighbors in Louisiana are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Louisiana by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$684†||$1,091†||$1,499†||$1,319†||$772†|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Electric||Central Gas||Central Gas|
Standard Louisiana Home Insurance Coverages
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
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Louisiana home insurance policy
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.
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.
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.
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
More than $700B in property at flood risk from hurricanesThursday, June 07, 2012
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
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 city:
|Abbeville||Baton Rouge||Bossier City||Breaux Bridge|
|Metairie||Monroe||New Iberia||New Orleans|
Customer Reviews in Louisiana
For additional information about specific insurance laws in Louisiana, visit the Louisiana Department of Insurance website.