The Best Homeowners Insurance in Louisiana of 2021
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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
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.
Lower than average premiums
Insurance for high-value homes
Not rated by J.D. Power
Website has little information
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 Louisiana
Average Annual Premium
FedNat Ins Co
Maison Ins Co Voluntary
Gulfstream Prop & Cas Ins Co
Garrison Prop & Cas Ins Co
Armed Forces Ins Exch
Louisiana Farm Bureau Cas Ins Co
Lighthouse Prop Ins Corp
Access Home Ins Co
Average Homeowner Insurance Costs by Age of Home in Louisiana
Age of Home (years)
Sample Annual Premium
Average Across Credit Rating Tiers
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:
The best home insurance company in Louisiana is different for everyone. For some homeowners, USAA might be the best option, and for others, UPC is a better choice. It all depends on your personal coverage needs and your budget.
You can get home insurance in Louisiana by getting a quote online, or by calling an agent. You’ll be asked to disclose information about yourself and your home. If you’re happy with the rate, you can sign a policy, and coverage will start as soon as you pay the first premium.
The average cost of home insurance in Louisiana is $1,987 per year, which makes it the most expensive state for home insurance in the country. But keep in mind that home insurance quotes are personalized to every individual.
Yes, Geico does sell home insurance in Louisiana. However, Geico did not make our list of the best homeowners insurance companies in the state.
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.
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.