Louisiana Homeowners Insurance Coverage

Whether you own a Creole cottage near a parade route in New Orleans or a ranch house in the suburbs around Baton Rouge, with a Farmers Smart Plan Home®  policy you can choose quality coverage for your Louisiana lifestyle today, with many ways to help you save.

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Is homeowners insurance required in Louisiana?

No, homeowners insurance is not required by law in Louisiana. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.

What does homeowners insurance cover in Louisiana?

Every policy is different, but home insurance policies in Louisiana typically come with several standard coverages.

  • Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.

  • Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed.

  • Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.

  • Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.

  • Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries for which you are legally liable.

Typical home insurance policies in Louisiana cover damage caused by events such as:

  • Fire
  • Vandalism and theft
  • Lightning strikes
  • Wind
  • Hail
  • Explosions
  • Falling objects
  • The weight of snow or ice

Flooding, a common risk in parts of Louisiana, is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.

Home insurance coverage options in Louisiana

Farmers® gives you multiple options for covering your home and personal property. You can customize your policy to suit your lifestyle and dwelling type:

  • Single-family home
  • Condo
  • Mobile or manufactured
  • Seasonal or vacation
  • Rental property
  • Older home

Learn more about Smart Plan Home coverage

How much does homeowners insurance generally cost in Louisiana?

The average premium for home insurance coverage in Louisiana is $2,038 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). That’s more than the national average of $1,311 a year, according to same report. However, insurance costs in most states have changed since then. Also, the amount you pay may be different, depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.

Louisiana home insurance discounts

Farmers® offers a variety of savings opportunities for eligible home insurance customers in Louisiana, including:

  • Multi-policy
  • Protective devices
  • Non-smoker

See more information and additional discounts that may be available in Louisiana.

Brown Pelican

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They may appear awkward on land, but in flight, a brown pelican’s sweeping wingspan and muscular body turn grace into motion. They are the only pelican that crash dives into water to stun and scoop their prey. — Coastal Wetlands Planning, Protection and Restoration Act

See more information and additional discounts that may be available in Louisiana.

More coverage options in Louisiana

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Louisiana car insurance

Find minimum state requirements for auto insurance in Louisiana, available discounts and more.

View car insurance details and discounts for Louisiana

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Louisiana renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for Louisiana

Learn From Experience

Read real-life stories about insurance, renovations, home safety and more from pros and homeowners like you.

Why Did My Homeowners Insurance Go Up?

When outside forces — think: inflation, natural disasters, supply chain issues, rising construction costs — impact either (or both) of those factors, it can explain why rates may be increasing. But there are steps you can take to help keep your costs down. 

Refusing to Abandon Their Homes, Homeowners Rebuild With Flood Risk in Mind

They live in flood zones, and after major flooding from hurricanes and rain events destroyed their homes, these homeowners discovered ways to rebuild and retrofit to help reduce the risk of future flood damage.

When it’s Time to Remodel, Some Home Renovations Pay For Themselves. These Upgrades Might Not.

Some families put in a fancy pool to entertain their kids, others overhaul a kitchen or bathroom to add value to their home. What they might not know: the return for these (and other) renovations may not pay off when it's time to sell a home.

Does Home Insurance Cover Water Damage?

Generally, if the cause is sudden and accidental — if an appliance or bathroom fixture springs a leak or a storm blows a tree through your roof and rain pours in — the typical homeowners insurance policy covers resulting water damage.

1 Based on average premium for HO-3 type open perils homeowners policies.