Louisiana home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Replacement cost calculator

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

Deductible comparison

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Renewal increase check

Did your renewal go up more than premiums did across your state — and what to do about it.

Full coverage check

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Louisiana at a glance

Average premium: $5,344/ yr; At $300,000 of dwelling coverage.
Standard deductible: $1,000; Applies to everyday claims.
Storm deductible — separate, and much larger: $6,000(2% of coverage); What you would pay out of pocket on $300,000 of coverage before a storm claim pays anything — not the $1,000 above.
Insurer of last resort: Louisiana Citizens Property Insurance Corporation; Louisiana's state-created non-profit insurer of last resort, serving property owners - overwhelmingly in the hurricane-exposed coastal parishes - who cannot obtain coverage from a private carrier. It is deliberately priced to be uncompetitive: by statute Citizens must charge above the highest rate charged by a private insurer in the parish (commonly described as roughly 10% above), so that it does not compete with the voluntary market and so that policyholders leave as soon as private coverage becomes available. Enrollment tells the story of the market's recovery: after the 2020-2021 storm seasons and the resulting carrier insolvencies drove policy count to a 2022 peak, it had fallen to roughly 114,000 policies as of June 2026, a decline of nearly 20% from that peak. Citizens runs a formal depopulation program that transfers blocks of policies to private carriers on set assumption dates - Round 23 assumed April 1, 2026, and Round 24 is planned for December 1, 2026 - with policyholders given 90 days to opt out and stay with Citizens. Citizens also funds the Louisiana Fortify Homes Program, which grants money to homeowners upgrading to a fortified roof; over 11,000 fortified roofs have been installed statewide, more than 4,100 of them through that program.

Last updated 2026-08-28. How we source every figure