Home Insurance in Louisiana
Covers the structure of your home, your belongings, and your liability as a homeowner. What it does not cover — flood, earth movement, wear and tear — is as important as what it does.
What is different in Louisiana
Louisiana carries one of the lowest bodily injury minimums in the country alongside some of the highest property premiums. After the 2020–2021 storm seasons several carriers became insolvent and Louisiana Citizens grew substantially; named-storm deductibles, roof age restrictions, and separate flood placement are all standard parts of a Louisiana property conversation.
Exposures that shape pricing here
- hurricane
- flood
- tornado
- severe thunderstorm
Agents and local rules in Louisiana
Home Insurance reading
- State guidesLouisiana insurance guideNamed-storm deductibles, roof age restrictions, a growing residual market, and the widest gap in the country between what auto and property coverage cost.Aug 2026 · 4 min read
- Coverage explainedHomeowners insurance explained: the six parts of the policyA home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.Aug 2026 · 7 min read
- Buying guidesHow to choose an insurance agentAnyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.Aug 2026 · 6 min read
- Buying guidesWhat a declination letter is, and why you want oneIf you turn down a coverage your agent recommended, ask for it in writing. Here is what that document should contain and why it protects you.Aug 2026 · 3 min read