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Louisiana Home Insurance

Living in Louisiana means embracing a vibrant culture and beautiful scenery. Having trustworthy home insurance ensures your home is protected against unpredictable events, allowing you to enjoy life and make memories in your home.

Is home insurance required in Louisiana?

Louisiana law doesn’t require homeowners to have insurance on their property, but if you finance your home through a mortgage, your lender will likely require you to have homeowners insurance. Even if you own your home outright without a mortgage, it’s still highly advisable to be insured. Home insurance is not a one-size-fits-all product. It should be tailored to your specific situation and needs.

Typical Louisiana homeowners insurance coverages

  • Coverage A – Dwelling:

    Coverage for your home and attached structures for damage caused by events such as fire, lightning, wind or hail.

  • Coverage B – Other structures:

    This covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed or detached garage.

  • Coverage C – Personal property:

    Coverage for your belongings, such as furniture, clothing and electronics, if they’re damaged by a peril listed in your policy.

  • Coverage D – Loss of use:

    This covers your temporary living expenses when a covered loss makes your home unfit to live in.

  • Coverage E – Personal liability:

    This covers damage or injury to another person on their property that you’re responsible for causing. It also covers legal assistance for claims made against you.

  • Coverage F – Medical payments to others:

    This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.

Remember, each of these coverages is subject to a policy limit, deductible and exclusions, which are specified within your policy.

Your homeowners insurance won’t cover flood damages, so it helps to ensure you’re properly covered if there’s a flood. Flood insurance policies are available and are written through the federally backed National Flood Insurance Program. It’s common for mortgage companies to require flood insurance if your home is within or near a floodplain. Regardless, a flood can occur anywhere, and it’s a good idea to buy this additional coverage.

Additional coverages in Louisiana

You may find that the general coverages afforded in a basic homeowners policy don’t cover certain losses or types of property. Amica offers home insurance options in the form of policy endorsements that can fill in some of those gaps in coverage. Adding endorsements to your Louisiana homeowners insurance policy can provide valuable additional coverage tailored to your specific needs. Here are a few endorsements you might consider:

  • Special computer coverage:

    Additional protection beyond what’s included in your policy for devices against direct physical loss, like accidental damage or theft. Devices covered under special computer coverage include:

    • Desktops
    • Laptops
    • Smartphones
    • Gaming devices
    • Smart TVs

  • Identity fraud:

    Identity theft is a growing concern, and this endorsement can help cover expenses associated with restoring your identity, such as legal fees, lost wages and other related costs.

  • Water backup and sump overflow:

    Unexpected and accidental water damage, like from an appliance or burst pipe, is covered by most homeowners insurance policies. But, at the same time, they also exclude coverage for backed-up sewers and drains. This endorsement provides coverage for water that backs up through drains and sump pumps.

  • Scheduled personal property:

    If you have high-value items such as jewelry, fine art or collectibles, a basic homeowners policy may not provide sufficient coverage. With this endorsement, you can insure specific items to make sure they’re adequately covered against loss or damage.

  • Earthquakes:

    A standard Louisiana policy excludes damage caused by earth movement, including earthquakes. This endorsement would extend coverage to damage caused by an earthquake.

What affects your Louisiana home insurance rates

Where you’re located can affect your insurance premiums. Homes situated inland typically have lower insurance premiums compared to residences closer to the Gulf Coast due to the reduced risk of coastal hazards. 

Your Louisiana home insurance policy should be tailored to your unique needs and circumstances, taking into consideration specifics like the type of dwelling, the value of your belongings and the level of coverage desired. Certain factors that impact home insurance rates may be beyond your control, such as repair costs or your proximity to emergency services.

Regularly reviewing and updating your policy can help ensure you’re protected in a way that fits your needs.

Explore Louisiana homeowners insurance discounts for more savings

There are several ways Louisiana homeowners can save money on home insurance without compromising the quality of their coverage.1 We offer home insurance discounts for:

  • Alarm systems: Receive a discount when you insure a home with burglar alarms, sprinkler systems or fire alarms.
  • Automatic detection devices: Insure a Louisiana home with a temperature monitoring, water leak detection or gas leak detection system installed and receive a discount.
  • New or remodeled homes: Receive a credit when you insure a new or fully remodeled home.
  • Claim-free: Receive a discount when you’ve had no claims in the past three years.

If these don’t apply to you, we also offer discounts for:

  • AutoPay: Receive a discount when you opt to pay your premium using automatic deductions.
  • E-discount: Get a discount when you sign up to receive policy information and bills electronically.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle your insurance coverages for home and auto with the same insurance company. In fact, Louisiana homeowners who bundle home and auto insurance with Amica could save more than 20% with a multiline discount.1

Facts and figures about Louisiana

Common claims in Louisiana:

Louisiana weather can lead to various types of damages to homes, and homeowners insurance typically provides coverage for many of these weather-related risks, subject to policy limits. Here are some common claims that Louisiana homeowners may face:

  • Coastal storms: Cities and towns along the Gulf Coast face risks associated with inclement weather like tropical storms and hurricanes, which can lead to property damage and flooding. Inland areas may be less susceptible to coastal storms, but can still experience flooding from rivers, streams or heavy rainfall.

It’s important to note that flood damage caused by rising water from sources such as rivers and streams, isn’t covered under standard homeowners insurance policies. Homeowners in flood-prone areas may need to purchase separate flood insurance to protect against this risk.

  • Old or corroded pipes: In older homes or those with outdated plumbing systems, pipes may become worn out, corroded or weakened over time. This can increase the likelihood of leaks occurring, especially in areas with high water pressure or hard water.

These leaks can lead to water damage to the structure of the home, as well as damage to personal property such as furniture, electronics and other belongings. Common areas where plumbing leaks occur include bathrooms, kitchens, basements and crawl spaces. Most standard home insurance policies cover water damage caused by leaking pipes, but it’s best to review your policy to understand the extent of coverage and any limitations.

Fun facts about Louisiana:

  • Louisiana is the only state in the U.S. that has "parishes," which are political subdivisions equivalent to counties. The state has 64 parishes.2
  • Approximately 17% of Louisiana's area consists of water, including rivers such as the Mississippi River, which flows into the sea at the Mississippi Delta in Louisiana, and large estuaries like Lake Pontchartrain and Lake Maurepas.2
  • The McIlhenny Company first patented Tabasco Sauce on Avery Island, Louisiana, utilizing peppers cultivated on the island. The company remains family-owned and continues to operate from Avery Island.2

How to get home insurance in Louisiana

We’re here to guide you through the process of personalizing your homeowners insurance in Louisiana. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs:

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Louisiana homeowners based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a home insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, you can rest easy knowing your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in beautiful Louisiana.

Get a home insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 100 Fascinating Facts About Louisiana
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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