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Louisiana Home Insurance

Louisiana home insurance offers property damage coverage for your home. The most basic policy, known as the HO-2, covers damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The HO-3 policy offers bodily injury liability coverage for your home and property. This protects you in case someone has an accident on your premises, and can cover lawsuits arising from said accident. The majority of home mortgage lenders require Louisiana home insurance in order to obtain and keep in good standing with their loans.

In Louisiana, the majority of homeowners seeking a decent policy are having trouble these days. After Katrina’s devastating effects on the region, many Louisiana home insurance providers have pulled out of the state. Louisiana homeowners have to go with government alternatives for their insurance needs.

Louisiana Home Insurance Coverage

Many in the region didn’t realize that their Louisiana home insurance would not pay for damages caused by a hurricane or flood waters. The additional flood insurance protects a home from such perils. The Louisiana homeowners insurance does not cover flooding of homes. For this reason, many lost their homes and had no recourse for rebuilding or repairing. In today’s Louisiana, the rates for homeowners insurance have skyrocketed. Before deciding to live in the area, you will have to consider many factors such as average cost of Louisiana homeowners insurance, and additional costs for flood and hurricane insurance.


The troubled times in Louisiana demand that homeowners seek ways to decrease their premium. You can contact your insurance company to find out what measures you can take to protect your home from a storm. For a reduction in a premium, a homeowner could add storm shutters, increase the strength of a roof, and add stronger roofing materials to a home. Louisiana home insurance premiums can be reduced if you raise the deductible on the policy. For instance, a $1000 deductible will often decrease the annual premium by $500 or more. The increase in Louisiana homeowners insurance premiums can be met with fundamental changes and a willingness to do some footwork for a reduced rate.

Louisiana Department of Insurance

Louisiana Department of Insurance
Post Office Box 94214
Baton Rouge, LA 70804
Phone: 1-800-259-5300 or 1-800-259-5301

For other Louisiana Insurance Resources, See:

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