Louisiana · Home Insurance
Louisiana Home Insurance Guide
Average premiums, state minimum requirements, and a personalized calculator for Louisiana home insurance.
State Avg Annual
$1,992
Regional Risk Factor
×1.25
State Code
LA
Estimated Premium
$4,258/ year
$355 per month · $280k dwelling
State base premium$3,429
Property value factor×1.17
Square footage factor×1.11
Coverage tier×1.00
Regional risk×1.18
About home insurance in Louisiana
The average homeowner in Louisiana pays $1,992 per year for home insurance. Regional risk factor: ×1.25 relative to the national average.
Elevated risk profile: Louisiana sees above-average claims from storms, wildfires, or hail. Consider extended replacement cost coverage.