Louisiana homeowners insurance

How you're covered

A typical policy in Louisiana may include the following homeowners insurance coverages:

• Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
• Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
• Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
• Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
• Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
• Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

More ways to stay covered in Louisiana

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, Louisianans may want to consider:

• Flood Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
• Umbrella An umbrella policy, where available, may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
• Sump pump Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Louisiana?

Louisiana is among the most expensive states for homeowners insurance, with an average rate of $203.13 per month or $2,437.54 per year.^* The state's extreme weather contributes to this, but many other factors determine home insurance quotes for Louisiana properties.

Helping you save on homeowners insurance in Louisiana

While a home insurance quote in Louisiana may be high, many options are available to help reduce your cost. Bundling your home and auto insurance is one of the most common discounts available. Getting a Louisiana homeowners insurance quote in advance of purchasing your home may also reduce your rate. Learn more about homeowners insurance discounts.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 to help ensure you're getting all discounts currently applicable to you and where you live, or find a local agent in Louisiana.

Is homeowners insurance required by law in Louisiana?

No state law requires you to have homeowners insurance in Louisiana. However, if you're financing your home, lenders typically require you to carry homeowners insurance. Check with your lender to determine what coverage limits they expect you to maintain.