The 3 Best Louisiana Homeowners Insurance Companies

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In the decade since Hurricane Katrina left Louisiana homeowners devastated in its wake, the state has been focusing on rebuilding “smarter, safer, and stronger” than before. The state’s coastal location, history of extreme weather, and higher than average crime rate, however, has left sky-high premium rates for Louisiana homeowners insurance.

With rates so high, it is important to find a provider that offers comprehensive coverage so that you’re fully protected in the event of another disaster.

We’ve compiled premium data and selected our top picks for Louisiana homeowners insurance, outlined below. We’ve also included an online quote tool so you can easily compare policies and receive accurate quote prices. Be aware that flood insurance does not come included in most homeowners insurance policies, and is a valuable protection to have in Louisiana — so factor in this additional cost when you are shopping around!

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

State Farm

Backed by an A++ from A.M. Best for financial stability and the largest writer of homeowners insurance in Louisiana, State Farm is a safe bet for affordable and reliable coverage. The company has standard policy offerings for just about any type of residence and is one of the best insurance options for farms & ranches—a valuable feature in parts of Louisiana.

Any State Farm policy can be supplemented with personal liability and injury coverage, identity restoration coverage, and increased protection for a wide range of home businesses.

Should you need to file a claim, you can do so using State Farm’s 24-hour claims hotline, in person at one of their many local offices, online, or using the handy Pocket Agent mobile app.

To help you better prepare for emergency, State Farm offers their HomeIndex virtual inventory tool. Compiling a room-by-room catalog of your covered possessions and their respective conditions and worth will remove the guesswork after a loss and allow you to file an accurate claim following your loss.

If the damage made to your home requires emergency water mitigation or flooring repair services, State Farm’s Premier Service program will put you in contact with a reputable contractor in your area to carry our repairs and restore your home back to livable conditions.

Allstate

Innovative online resources and tools, wide coverage options, and multiple discount opportunities make Allstate an attractive choice for Louisiana homeowners insurance.

The company’s online learning center offers an extensive library of videos, articles, checklists, specialty calculators, and tools to help educate customers on homeownership and policy management. Allstate’s Premium Gauge, for example, allows you to see how various factors, such as the age of your home or installing a security device, can directly impact your annual premium rate, so you can make informed decisions and save on your policy.

Allstate also helps you save by offering discounts such as 30% off for bundling auto and home policies, 20% for going claim-free, 15% for installing security devices, 10% for being new to Allstate for the first two years you hold your policy, and 5% just for signing up for automatic billing.

Allstate offers standard policies regardless of what kind of Louisiana dwelling you call home. The company even insures very old homes, a relatively rare offering among its competition. With Allstate, you can rest easy knowing that you can add protections to the things that matter most to you — whether it be sports equipment, musical instruments, yards and gardens, home offices, or electronic data.

Liberty Mutual

Liberty Mutual is an attractive option for Louisiana homeowners looking to save money. The company offers a host of discounts: customers can receive premium deductions for bundling policies, installing protective devices, purchasing a policy for a new or recently renovated home, or having a claim-free record for at least three years. Liberty Mutual also has a vast network of over 14,000 affiliate business organizations, groups, and alumni associations that provide further exclusive partner savings to members.

If you experience an accident, Liberty Mutual is a good company to have by your side. You can easily report a claim by going online or using Liberty Mutual’s 24/7 claims hotline. Once your claim has been received, you can also take advantage of their 24-hour emergency repair service, which can provide immediate assistance for your damaged home at any time.

Liberty Mutual’s Contractor Network Referral program will get you in contact with a vetted contractor to carry out the necessary repairs to make your home safe again. The company even places a one-year guarantee on the work done, so you can trust the service you will receive and have the peace of mind knowing that your most valuable asset is being looked after responsibly.

The 3 Best Louisiana Homeowners Insurance Companies

  • State Farm
  • Allstate
  • Liberty Mutual

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Don’t own your Louisiana home? Check out our picks for Best Renters Insurance for 2018. Want to learn more about homeowners insruance? Check out our Complete Guide to Home Insurance, and our national list of the Best Home Insurance Companies for 2018.