Homeowners Insurance Louisiana

Getting Louisiana Homeowners Insurance

Homeowners Insurance LouisianaSummer usually brings heat and humidity that can be hard to handle for homeowners in Louisiana. However, living in Louisiana means having lots of weather to worry about all year long. Homeowners in the Bayou State need to make sure they’re prepared for:
  • Natural disasters, like hurricanes
  • Flooding and water damage
  • Robo
  • Incendio
If you want to keep your home protected, it’s important to have trustworthy homeowners insurance. Louisiana has plenty of perks, but the risks that come with owning a home here can be high.
At The Hartford, we pride ourselves on ensuring customer satisfaction. We’re here to make sure you have the kind of coverages you need, no matter where you live in the state. The key is to make sure you aren’t just looking for the cheapest home insurance in Louisiana, but an insurance company that you know has your back. Whether you live in New Orleans, Baton Rouge, Shreveport, Metairie Terrace or anywhere in between, seguro de viviendas from the AARP® Homeowners Insurance Program from The Hartford1 will help protect your property from financial loss. And if you need  seguro contra inundaciones on top of your home policy, we can help you find out if your community is part of the National Flood Insurance Program (NFIP). If it is, you can get flood coverage from us, too.

Coverages for Homeowners Insurance in Louisiana

homeowners insurance in LouisianaHomeowners insurance isn't usually required by law in Louisiana. However, mortgage lenders do typically require some level of home insurance coverage before you can get a loan.

What Types of Louisiana Homeowners Insurance Coverage Are Recommended?

louisiana homeowners insuranceMost of the Louisiana homeowners policies from The Hartford come with a range of coverages:
La cobertura de vivienda helps protect your Louisiana home and the structures directly attached to it when damaged in a covered loss. This typically includes your:
  • Roof
  • Walls
  • Flooring
  • Calefacción
  • Aire acondicionado
La cobertura de propiedad personal is for your personal belongings, such as your:
  • Sofas
  • Recliners
  • Dining tables
  • Ropa
  • Electrodomésticos
You can buy extra coverage for high-value items, like rare collectibles and jewelry. We also offer custom coverage limits to ensure you get the amount you think your belongings are worth.
La cobertura por responsabilidad civil helps pay for your legal defense against a lawsuit. For example, if a guest slips on your doorstep and gets injured, this coverage can help pay for damages that you’re held liable for.

More Louisiana Homeowners Insurance Coverages

Equipment breakdown coverage is an optional coverage that helps pay for mechanical or electrical breakdowns in the home. This includes coverage for:
  • Heating systems
  • Refrigeradores
  • Washing machines
  • Lawnmowers
Equipment breakdown coverage also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. This doesn’t include coverage for normal wear and tear.
Other structures coverage helps protect other buildings on your property, including detached garages, fences and even your swimming pool. Some examples of when this coverage is helpful include:
  • A tree falling on your shed
  • Someone driving through your fence
Loss of use coverage helps pay any necessary additional expenses if you can’t live in your home while it’s repaired. For example, if your home is unlivable after a fire, this coverage can help pay hotel fees and living expenses.
Medical payments coverage helps pay for medical bills, up to your policy limit, if someone gets hurt on your property. It doesn’t matter if you’re legally responsible for the incident or not.2
Replacement cost coverage helps you replace a damaged item with a new one of similar type and quality. It reimburses you for today’s cost, not the lower cash value of your old item.3
Valuable items blanket coverage helps pay to replace your valuable items, such as furs, jewelry, collectibles or silverware with a limit of $10,000 per item. With this coverage, you won’t have to pay a deductible if you suffer a covered loss. If you need to insure items for more than $10,000, other endorsements can help you fully cover them.

What Is the Average Cost of Homeowners Insurance in Louisiana?

The average cost of homeowners insurance in Louisiana is $1,992. This makes Louisiana one of the most expensive states in the country for home coverage.4

Average Costs of Homeowners Insurance in New Orleans

The average price of homeowners insurance in New Orleans will vary depending on your home’s:
  • Edad
  • Lugar
  • Costo de reemplazo
Your claims history will also impact your homeowners coverage price.
To find out more about New Orleans homeowners insurance quotes, speak with our representatives today at 888-413-8970. They can help answer any questions you have and guide you through our products and services.

Factors That Impact the Cost of Homeowners Insurance in Louisiana

According to the III, there are many different factors which can influence the premiums you pay for insurance in Louisiana. Some are:
  • Your home's total square footage: The larger the house, the higher the premiums will be.
  • Your location: This includes whether you live inland or near the coast.
  • Natural disasters: The likelihood of certain types of disasters, such as hurricanes or flooding, can impact your cost.
  • The building costs in your area: These include your home's construction type, premium materials and unique features.5

Louisiana Homeowners Insurance Discounts

louisiana home insurance discountsWhether you work with home insurance companies in Louisiana or a home insurance company located in another area, the discounts will most likely be different. See what savings you qualify for by calling each company and requesting a quote.
We offer several types of home insurance discounts. For instance, when you bundle multiple coverages or improve your home’s security, it can help lower your premiums. You can reach our representatives at 888-413-8970 para obtener mayor información.

Home Security Discount

We want to help you get the cheapest home insurance in Louisiana possible, that’s why we offer rewards for protecting your home. So, if you install devices such as burglar alarms and home fire sprinkler systems, you can lower your rate.

Bundling Discount

When you bundle insurance with The Hartford, you can save up to 12% on auto insurance and up to 20% on homeowners insurance in Louisiana.** Our customers save an average of $813 after bundling their auto and home policies.**
To learn more about the benefits of homeowners insurance, call our specialists at 888-413-8970. You can count on us to help you get the coverage your home needs. Throughout our years in business, we’ve consistently received high customer service ratings and are here to help get you the discounts you deserve.

Common Questions About Home Insurance in Louisiana

Is Homeowners Insurance Required in Louisiana?

Homeowners insurance is not required in Louisiana. However, it’s important to help keep your property and belongings safe in the event of:
  • Natural disasters
  • Incendio
  • Hail
  • Viento

What Is the Cheapest Home Insurance in Louisiana?

To find the cheapest home insurance, you’ll want to start by getting multiple quotes and comparing their coverages and prices. You can also:
  • Raise your deductible on your current coverage
  • Look into bundling different policies for discounts
  • Add home security systems to get lower rates
You can also ask homeowners insurance companies about discounts you may qualify for. Our specialists can help walk you through our discounts at 888-413-8970.
Última actualización: 2 de abril de 2024
2 Medical benefits are calculated on the basis of usual, customary, and reasonable charges.
3 The Hartford will pay the full cost to rebuild your home, even if it costs up to 125% of your home insurance policy’s coverage.
4 Bankrate, “Average homeowners insurance cost in June 2023”
5 Insurance Information Institute (III), “Facts + Statistics: Homeowners and Renters Insurance”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.