Home Insurance in Louisiana

Home Insurance in Louisiana averaged $3,027 a year in 2023, 74% above the national average, per the NAIC, plus the rules that shape your policy.

What home insurance costs in Louisiana

Homeowners in Louisiana paid an average of $3,027 a year on a standard HO-3 policy in 2023, 74% above the national average of $1,737. HO-3 is the form most owner-occupied homes are written on; averaged across every owner-occupied and dwelling-fire form the figure is $2,860.

Louisiana rules worth knowing

• HO-8 (older homes, repair-cost basis): $1,312 a year
• Regulator: Louisiana Department of Insurance

Source: NAIC Homeowners Insurance Report, 2023 data. Figures are the most recent the NAIC has published; nothing on this page is estimated or modelled.