Homeowners Insurance in Louisiana
Insurance can change what a house costs you every month as much as the interest rate does. Here it deserves the same attention you give the loan.
The short version. Louisiana homeowners premiums are among the highest in the country, driven by hurricane exposure. Flood is a separate policy. Wind and named-storm damage often carries its own percentage deductible. Roof age, construction and location drive both price and whether a carrier will write the home at all.
Three policies, not one
- Homeowners — fire, theft, liability, and usually wind and hail, often with a separate named-storm deductible.
- Flood — always separate. More on flood insurance →
- Umbrella or specialty coverage — optional, worth discussing for higher value homes or acreage with outbuildings.
What drives your quote
- Roof age, material and condition
- Year built and construction type
- Location, wind zone and distance to the coast
- Claim history on the property and your own claim history
- Deductible structure, including the named-storm percentage
- Available discounts, including fortified-roof designations where applicable
Do this during your inspection period
Get real quotes on the specific address, from more than one agent, before your inspection period ends. I've seen two similar homes on the same street quote thousands of dollars apart because of roof age alone. That number belongs in your decision, not in a surprise escrow adjustment later.
General information, not advice. I'm a REALTOR®, not a lender, insurance agent, attorney or CPA. Figures and rules change. Confirm anything that affects your money with the appropriate licensed professional for your situation.
Questions buyers ask
Why is homeowners insurance so expensive in Louisiana?
Hurricane and wind exposure is the main driver, along with the cost of rebuilding and recent claim history across the state. Premiums vary significantly by location, roof age, construction and the carrier's appetite for risk in that area.
Does homeowners insurance cover flooding?
No. Flood is a separate policy. Wind and hail damage is generally handled under the homeowners policy, often with a separate named-storm or hurricane deductible. Read both policies so you know which covers what.
What is a hurricane deductible?
A separate, usually percentage-based deductible that applies to named-storm damage rather than a flat dollar amount. On a $350,000 home a 2 percent hurricane deductible is $7,000 out of pocket before coverage applies. Know your number before storm season, not after.
Does roof age matter?
A great deal. Carriers price and sometimes decline based on roof age and material, and an older roof can make a home difficult to insure at any reasonable price. I ask about roof age on every home my buyers consider.
Information is believed reliable but not guaranteed and is subject to change. Verify specifics for any property or situation with the appropriate licensed professional.
Not sure what a home will cost to insure?
I'll connect you with local agents who quote these every day.