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:
Multi-policy
Protective devices
Non-smoker
See a list of potential home insurance discounts. Not all listed discounts are available in Louisiana.
View more coverage options in Louisiana
Auto insurance
Find out minimum state requirements for auto insurance in Louisiana, available discounts and more.
Learn From Experience
Expand your knowledge base with articles relevant to you.
Genius Ideas for Disaster-proofing Heirlooms and Mementos in Your Home
Professional conservators and curators offer ideas to help you protect your family's treasures when faced with even the worst calamities.
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.
How Much Homeowners Liability Coverage Should I Consider?
The more assets you have, the more vulnerable they become if someone sues you. Read more to understand how much liability coverage you may want.
