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The Best Homeowners Insurance in Louisiana of 2021

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    Reviews Report

    • USAA is Reviews.com’s pick for best home insurance in Louisiana, earning a 3.8 out of 5.
    • The average home insurance premium in Louisiana is $1,987 per year, higher than the national average.
    • UPC has the cheapest home insurance in Louisiana at $635 a year. 

    Louisiana homeowners face some of the most severe weather risks in the country, which is reflected in the state’s home insurance rates. The average cost of homeowners insurance in Louisiana is $1,987 per year, making it the most expensive state for home insurance. 

    There are dozens of home insurance companies in Louisiana, so we did some research to find the best ones. Based on our in-depth comparison, the top Louisiana home insurance providers are USAA, State Farm, UPC, and FedNat. These providers have good discounts, reliable coverage, and impressive financial strength ratings.

    The 4 Best Homeowners Insurance in Louisiana

    • USAA: Best Louisiana Home Insurance for Military Members
    • State Farm: Best Louisiana Home Insurance for Online Tools
    • UPC: Cheapest Louisiana Home Insurance Company
    • FedNat: Best Louisiana Home Insurance for High-Value Homes

    Compare the Best Louisiana Home Insurance Companies

    Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. Average Premium** J.D. Power Customer Satisfaction* J.D. Power scores are based on surveys for customer satisfaction and product quality. AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. Standard & Poor’s Standard & Poor’s (S&P) rates creditworthiness for businesses, countries and cities that issue bonds.
    Pin USAA3.8$2,418889A++AA+
    Pin State Farm2.8$1,272829A++AA
    Pin UPC2.5$635777A-N/A
    Pin FedNat2$920N/AA+N/A

    Information accurate as of May, 2021

    *Data provided by Coverage.com

    **J.D. Power’s 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.

    USAA

    Best for Military Members

    Why we chose it

    USAA is one of the highest rated home insurance companies in Louisiana, with excellent customer service, a variety of coverage options, and affordable rates for military members.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,418* Average Premium Pricing data comes from our partners at Coverage.com.
    • 889** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    USAA is one of the highest rated home insurance companies in Louisiana, with excellent customer service, a variety of coverage options, and affordable rates for military members.

    Pros

    • Great customer service
    • Competitive prices
    • Policies include replacement cost coverage

    Cons

    • Must be affiliated with the military to get coverage
    • Not many discounts
    • Few local office branches
    Read More

    Available Discounts

    Additional Coverage

    • Home sharing insurance
    • Identity theft coverage
    • Earthquake insurance
    • Flood insurance
    • Military uniform coverage
    • Valuable personal property coverage

    More USAA Insurance Reviews

    State Farm

    Best for Online Tools

    Why we chose it

    State Farm has the best online tools, resources, and calculators to help Louisiana homeowners choose the right type of coverage and amount of coverage to protect their home and belongings.
    • 2.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,272* Average Premium Pricing data comes from our partners at Coverage.com.
    • 829** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    State Farm has the best online tools, resources, and calculators to help Louisiana homeowners choose the right type of coverage and amount of coverage to protect their home and belongings.

    Pros

    • Robust and user-friendly website
    • Detailed online quotes
    • Helpful tools and resources for first-time home insurance buyers

    Cons

    • Not many discounts
    • Discounts are not available in every state
    • Below average claims satisfaction reviews
    Read More

    Available Discounts

    • Multi-policy
    • Home safety device
    • Impact-resistant roof

    Additional Coverage

    • Replacement cost coverage
    • Identity restoration coverage
    • Flood insurance
    • Water back up coverage
    • Earthquake insurance
    • Ordinance/law coverage
    • Inflation coverage
    • Personal articles coverage

    More State Farm Insurance Reviews

    UPC Home Insurance

    Cheapest Home Insurance in Louisiana

    Why we chose it

    UPC Insurance offers the lowest average annual premiums for home insurance in Louisiana, and special discounts for safe home features like protective doors and buying flood insurance.
    • 2.5$ Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $635* Average Premium Pricing data comes from our partners at Coverage.com.
    • 777** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A- AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    UPC Insurance offers the lowest average annual premiums for home insurance in Louisiana, and special discounts for safe home features like protective doors and buying flood insurance.

    Pros

    • Cheaper premiums than competitors
    • Specialty theft coverage
    • Discounts for flood insurance

    Cons

    • Below average customer satisfaction ratings
    • Lower financial strength than competitors
    • Some basic add-on coverage not available
    Read More

    Available Discounts

    • 15% protective door/window discount
    • Multi-policy
    • Windstorm certification discount
    • Hip roof discount
    • Flood insurance discount
    • Full premium payment discount

    Additional Coverage

    • Valuables
    • Service line coverage
    • Lock replacement
    • Reward for theft conviction
    • Home systems and appliances
    • Business property
    FedNat Insurance

    Best for High-Value Homes

    Why we chose it

    FedNat sells Louisiana home insurance to customers with high-value homes through specialized policies that exceed standard limits.
    • 2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $920* Average Premium Pricing data comes from our partners at Coverage.com.
    • N/A** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    FedNat sells Louisiana home insurance to customers with high-value homes through specialized policies that exceed standard limits.

    Pros

    • Lower than average premiums
    • Insurance for high-value homes

    Cons

    • Not rated by J.D. Power
    • Website has little information
    Read More

    Available Discounts

    • Multi-policy

    Additional Coverage

    • Customers must reach out to a FedNat representative to learn more about available coverage.

    Average Cost of Home Insurance in Louisiana

    Homeowners insurance quotes in Louisiana are the most expensive in the country. According to the Insurance Information Institute (III), the average cost of home insurance in Louisiana is $1,987 per year. For comparison, the average American pays $1,249 per year for homeowners insurance.

    Home insurance rates in Louisiana’s neighboring states are also high, but not quite as expensive as Louisiana. For example, the average annual premium in Missouri is $1,383, and in Alabama, the average annual premium is $1,409.

    However, keep in mind that home insurance rates are personalized. Factors like your age, credit score, claims history, and the size of your home can all influence your rate. You might pay more or less than the statewide average rate based on your personal profile.

    The Cheapest Homeowner Insurance Companies in Louisiana

    Largest Companies by Market Share in LouisianaAverage Annual Premium
    UPC Insurance$635
    ASI Lloyds$693
    FedNat Ins Co$920
    Maison Ins Co Voluntary$985
    State Farm$1,272
    Gulfstream Prop & Cas Ins Co$1,310
    Encompass$1,530
    The Hanover $2,122
    USAA$2,418
    Garrison Prop & Cas Ins Co$2,462
    Allstate$2,513
    Armed Forces Ins Exch$3,951
    Louisiana Farm Bureau Cas Ins Co$4,013
    Lighthouse Prop Ins Corp$4,325
    Access Home Ins Co$4,359

    Average Homeowner Insurance Costs by Age of Home in Louisiana

    Age of Home (years)Sample Annual Premium
    0-10$2,361
    10-25$3,036
    25-50$3,166
    50+$3,240
    Average Across Credit Rating Tiers$2,951

    Top 3 Cheapest Homeowner Insurance Companies in Louisiana

    • UPC Insurance: $635
    • ASI Lloyds: $693
    • FedNat Ins: $920

    Top 3 Most Expensive Homeowner Insurance Companies in Louisiana

    • Access Home Ins Co: $4,359
    • Lighthouse Prop Ins Corp: $4,325
    • Louisiana Farm Bureau Cas Ins Co: $4,013

    Common Home Insurance Perils in Louisiana

    The main reason why home insurance in Louisiana is so expensive is that the state has a very high risk of severe weather. Hurricanes, storm surges, and flooding are common in Louisiana, and many homes in the state are at-risk of extensive damage from natural disasters.

    According to the III, there are 843,349 homes in Louisiana that could get damaged by a category five storm. After hurricanes Laura, Delta, and Zeta in 2020, insurance companies are expected to pay $9.6 billion in claims to homeowners across the state.

    Louisiana also occasionally faces tornadoes. In May 2021, a tornado touched down in the New Orleans area, with wind speeds of up to 85 MPH. Between 2000 and 2021, there have been 10 tornadoes in New Orleans alone. It’s important to have enough home insurance coverage to protect your property in the event of a major windstorm or tornado.

    Add-on home insurance coverage in Louisiana

    Although home insurance policies cover many different perils, they don’t cover everything. You can find a list of all the perils that your Louisiana home insurance policy covers on the declaration page, which is part of your policy documents. To fill gaps in coverage, it’s important for Louisiana homeowners to purchase add-on policies.

    Flood insurance is arguably the most important endorsement for Louisiana homeowners. All of the providers on our list sell flood insurance through the National Flood Insurance Program (NFIP), but our top recommendation is USAA.

    We also recommend getting water backup coverage, which most insurance providers sell. It pays to repair broken pipes or clogged sump pumps that can cause water to back up into your home and cause water damage, which is more common during major storms. 

    If you’re looking for more advice on what types of home insurance coverage you might need, these state-sponsored resources can provide additional guidance:

    Louisiana Home Insurance FAQ

    Methodology 

    We evaluated Louisiana home insurance companies based on availability, customer satisfaction, financial stability, and coverage to determine Reviews.com score and create our best home insurance reviews. To compare home insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:

    • Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
    • Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
    • Customer Satisfaction: With J.D. Power’s 2020 Home Insurance Satisfaction Study, we assigned a score to each company based on the rating it received.
    • Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
    • Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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