Summer 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
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 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?
Most 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:
- Aire acondicionado
- Dining tables
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
- Washing machines
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:
- 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
Whether 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.
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
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: 6 de julio de 2023
2 Medical benefits are calculated on the basis of usual, customary, and reasonable charges.
3 The Hartford paga la totalidad de lo que cueste reconstruir su vivienda, aunque los gastos asciendan al 125% de la cobertura de su póliza de seguro de viviendas.
4 Bankrate, “Average homeowners insurance cost in June 2023”
5 Insurance Information Institute (III), “Facts + Statistics: Homeowners and Renters Insurance”