Best homeowners insurance companies in Louisiana for 2024

Written by

• • Personal Lines

• • Auto insurance
• • Home insurance

Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.

Edited by

• • Personal Lines

• • Property & casualty insurance
• • Rate analysis

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

Reviewed by

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

Edited by

• • Personal Lines

• • Property & casualty insurance
• • Rate analysis

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

Reviewed by

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

Based on Bankrate's research, USAA, Allstate, State Farm and The Hanover are writing the best homeowners insurance in Louisiana.

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Compare the best home insurance companies in Louisiana for 2024 Best Louisiana homeowners insurance companies in detail Additional Louisiana home insurance companies to consider Cheapest home insurance companies in Louisiana Best home insurance discounts in Louisiana How much is home insurance in Louisiana? What does home insurance cover in Louisiana? Additional home insurance coverage types in Louisiana Frequently asked questions

Finding homeowners insurance in Louisiana presents unique challenges. From hurricanes to heatwaves and other extreme weather, the state faces one of the highest levels of risks for homeowners. This makes finding any coverage, and particularly affordable insurance options, a potentially difficult task. Choosing the best homeowners insurance in Louisiana for 2024 requires careful consideration of various factors to ensure optimal coverage and peace of mind. Bankrate analyzed average rate data from Quadrant Information Services alongside third-party financial strength ratings and J.D. Power scores to put together a comprehensive overview of the best insurers available in the state.

Bankrate knows that finding a great home insurance policy — especially in Louisiana — can feel like digging for a needle in a haystack, so we make it our mission to get you the information you need to shop with confidence. On average, Louisiana home insurance costs $4,296 per year for $300,000 in dwelling coverage, which is nearly 89 percent more than the national average. While the state’s history of hurricanes and tumultuous insurance environment may make it harder to find a cheap rate, Bankrate’s picks for the best homeowners insurance in Louisiana are an excellent starting place for shopping.

Best home insurance companies in Louisiana:

• Best for military-focused coverage: USAA
• Best for robust coverage: Allstate
• Best for local agencies: State Farm
• Best for educational resources: The Hanover

Cheapest home insurance companies in Louisiana:

• Armed Forces, USAA, State Farm, The Hanover and Encompass

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Insurance Disclosure

This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.