The average home insurance cost Louisiana homeowners see is shaped more by hurricanes than by anything about the house itself, and by how many carriers are still willing to write the parish. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
What sets the price in Louisiana
Rebuild cost sets the dwelling limit as everywhere, but in Louisiana the carrier's willingness to write the address comes first. Coastal parishes have seen carriers withdraw, leaving the state-backed insurer and a smaller market, and that scarcity is in the price. Roof age and construction type matter more here because they decide the wind claim.
The perils carriers price here
Hurricanes and named storms carry their own deductible, stated as a percentage of the dwelling limit, so the out-of-pocket share after a storm is far larger than the ordinary deductible. Wind-driven rain, roof loss and the water that follows are the claims. Storm surge and flood are never in the homeowners policy. FEMA's FloodSmart notes that almost one-third of NFIP flood claims come from outside high-risk flood areas, and a standard homeowners or renters policy does not cover flood at all.
What to compare instead of the average
The rate pages on this site show filed Louisiana rates by coverage and situation, including how carriers treat the named-storm deductible. Compare quotes on the same dwelling limit and the same storm deductible, and ask each carrier whether it is writing new business in your parish.
Questions people ask about average home insurance cost louisiana
What is the average home insurance cost in Louisiana?
The III's national average is $1,411 a year for 2021; this site publishes no state average, and the filed rates for Louisiana on the rate pages show what carriers actually charge by coverage and situation.
Why is homeowners insurance in Louisiana priced the way it is?
Rebuild costs, the roof and systems of the housing stock, and the perils named above; the deductible and claims history finish the price.
Does the price include flood?
No. Flood is a separate policy, and FEMA notes that almost one-third of NFIP flood claims come from outside high-risk areas.