“Down in New Orleans where the blues was born, it takes a cool cat to blow a horn.” Or so the locals say when dancing to the “Mardi Gras Mambo”! Whether you’re in Louisiana to catch some beads or headed to a jazz festival, you won’t be able to ignore Louisiana's cultural diversity. The Bayou State has a large Cajun population influenced by the French and a Creole community that developed from French, Spanish, African and Native American heritage. 

The people of Louisiana make some of the best food in the country, which is why living here can be so worthwhile. But with the state’s proximity to the Gulf of Mexico, homeowners insurance in Louisiana is essential. Thankfully, Hippo now offers policies throughout the state so that you can protect your home and your belongings. Below we’ll outline the details of Louisiana home insurance and explain how Hippo can help.

What is the average cost of homeowners insurance in Louisiana?

Illustration of three houses with green doors and smoke coming out of the chimney of one

Louisiana’s average home insurance premium is $2,212 per year, much higher than the national average of $1,200 per year. For this price, you can buy 316 pounds of boiled crawfish!

Louisiana tops the list as the most expensive state in the country for homeowners insurance due to its risk for severe storms, often paired with extreme winds and flooding. Although the average premium for the state is high, customizing your policy can bring down costs and keep your home safe.

The average home insurance premium in Louisiana is $2,212 per year. For this price, you can buy 316 pounds of boiled crawfish!

What factors influence my home insurance rate?

Home insurance in Louisiana varies based on your home’s location, how old it is and the condition it’s in. Your home also receives an insurance score. This score lets insurance companies know how great of a risk your home is to insure based on your financial history and how well you maintain your home.

Louisiana Home Insurance Premiums

What does home insurance in Louisiana cover?

Louisiana home insurance typically covers your dwelling, other structures on your property, your belongings, liability if someone gets injured on your property and additional living expenses if your home becomes unlivable. A standard policy won’t cover natural disasters like mudslides, earthquakes and floods, so Louisiana homeowners should look into adding flood insurance to their policy.

Louisiana Insurance Coverage Options

Traditional coverage


Supplemental coverage


Tips to lower your home insurance premiums

With Louisiana being the most expensive state for home insurance, it’s crucial to save money where you can. You can lower your home insurance premium by making your home less of a risk. 

Try prepping your home for severe weather by adding storm shutters to your windows and moving valuable belongings to the attic. Installing smart home devices, updating your roof and getting your HVAC system serviced regularly are other ways to show insurance providers that you’re keeping your home well-maintained and protected.

Louisiana home insurance resources

As a Louisiana homeowner, you aren’t alone when searching for home insurance and ensuring your home stays protected through inclement weather. In addition to Hippo’s dedicated customer service team, Louisiana residents can use the Louisiana Department of Insurance as a resource and seek help from the following state and federal programs.

National Flood Insurance Program

With a devastating history of flooding and hurricanes, including Hurricane Katrina that cost over $100 billion worth of damage in 2005, flood protection in Louisiana is more important than ever. The National Flood Insurance Program offers flood insurance coverage up to $250,000 for residential homes and up to $100,000 for residential contents.

Louisiana Citizens Corporation

The Louisiana Citizens Property Insurance Corporation runs Louisiana’s FAIR Plan. This is a public insurance option for Louisiana residents who can’t get insurance through the private market. This plan typically costs more than private insurance, so it only makes sense for high-risk homeowners as a last resort. The FAIR Plan covers home losses due to fire, windstorms, vandalism and riots.

Having modern protection for your home in Louisiana can give you peace of mind through hurricane season and beyond. With Hippo Home Care, we’ll help you address home repairs as they arise so you can keep your premium costs down. Want to learn more? Call us to discuss our various home insurance options.

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