Louisiana Homeowners Insurance

With Farmers® home insurance, you could build a policy that reflects how you live and what matters most to you.

Home Insurance Coverage Options in Louisiana

Farmers builds value into every home policy with:

  • Declining Deductibles® — Earn $50 toward your deductible each year.
  • Claims Free Discount® — Receive a discount if you’ve been claim-free for three years.
  • Claim Forgiveness — Your premium won’t increase due to a claim if you’ve been claim-free with Farmers for five years.
  • Cosmetic Damage Coverage — File a claim for functional damage, and we’ll cover related cosmetic damage as well.

Typical home insurance policies offer coverage for damage caused by:

  • Windstorms
  • Hail 
  • Lightning strikes 
  • Fire 
  • Vandalism and theft 
  • Explosion 
  • Falling objects 
  • Damage caused by weight of snow or ice

Louisiana homeowners insurance discounts

Farmers® builds value into every policy — but you may be eligible for even more savings.

We offer a variety of discounts for our home insurance customers based in Louisiana. For example:

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Protective devices

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See a list of potential home insurance discounts. Not all listed discounts are available in Louisiana.

View more coverage options in Louisiana

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Auto insurance

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

View car insurance details and discounts for Louisiana

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