Insurance
Homeowners Insurance in Louisiana
Published September 24, 2026 · Last updated October 1, 2026
Advertiser disclosure: AssistQuote may be paid when you visit or do business with a partner through our links. The provider sets your price. How we make money
The "three-year rule" is going away
For years, Louisiana had a rule: once your policy had been renewed for more than three years, your insurer could drop you only for specific reasons, like fraud, non-payment, or two or more claims in a three-year stretch.
That changed in 2024:
- Policies issued after August 1, 2024 don't get this protection at all.
- Older policies still have it, but each insurer can now non-renew up to 5% of those policies a year for any reason after filing a plan with the state. The commissioner can approve more.
If you've had the same policy for a long time, don't assume you're safe from non-renewal.
If your homeowners insurance was dropped
- Ask why, in writing. Louisiana law lets you request the reasons for a cancellation or non-renewal in writing within 6 months. The insurer has to answer.
- Shop right away. Get quotes from several insurers and agents. Prices vary a lot in Louisiana.
- Fix what you can. If the reason was your roof or the home's condition, fixing it can open up more options.
- Use Citizens as a backstop. See below.
Two rules still protect you:
- One deductible per incident. A Louisiana homeowners policy can't apply more than one deductible to damage from a single event.
- Owning an ATV isn't a reason. An insurer can't drop you only because you own one.
Louisiana Citizens: the insurer of last resort
Louisiana Citizens Property Insurance Corporation covers homeowners who can't get coverage in the private market.
By law, Citizens rates are generally set at least 10% higher than the higher of two figures: the actuarially justified rate, or the highest rate charged by the larger private insurers in your parish. That's on purpose, so Citizens doesn't undercut private companies. It's a safety net, not a bargain. Keep shopping while you're on it.
Stated value policies (new in 2025)
A 2025 law created the Stated Value Homeowner's Policy. Insurers can now offer a policy based on a value you declare for your home, rather than only on its market value.
It may cost less, but read the terms closely. If you declare a low value, the most you can collect after a total loss may not be enough to rebuild. Ask how a claim would be paid before you choose one.
Two ways to lower your premium
Wind mitigation discounts
Every admitted insurer in Louisiana must offer discounts for wind mitigation, meaning features that help a home resist hurricanes. Surplus lines insurers don't have to. If your policy is surplus lines, you may be missing out.
To get the discount:
- Hire an inspector approved by the Louisiana State Uniform Construction Code Council.
- Have them complete the Louisiana Hurricane Loss Mitigation Survey Form.
- Send it to your insurer or agent.
The Louisiana Fortify Homes Program
The state gives grants of up to $10,000 to upgrade a roof to the FORTIFIED Roof standard, a stronger way of building a roof that resists wind and water.
- How you get picked: by lottery. Registration periods open from time to time. Create a profile at ldi.la.gov/fortifyhomes to get alerts.
- Who qualifies: your primary home, with a homestead exemption and an active policy that covers wind. In a high-risk flood zone, you also need flood insurance. New construction, condos, and mobile homes aren't eligible.
- What you pay: the evaluator's fees, permits, and any cost above the grant.
- Don't start early. If you hire a contractor before you're accepted, you lose eligibility.
- After a storm: the grant can cover the gap between your roof claim payment and the cost of a FORTIFIED roof.
- It lasts. A FORTIFIED designation is good for 5 years and moves with the house if you sell.
No grant? You can pay for it yourself, or ask your agent about a FORTIFIED endorsement, which pays to rebuild your roof to that standard after a covered loss.
Flood is separate
Standard homeowners policies don't cover flooding. In Louisiana, that's one of the most important gaps to close. See flood insurance.
What changes your price in Louisiana
- Distance to the Gulf and your hurricane or named storm deductible
- Your roof: age, material, and whether it's FORTIFIED
- Wind mitigation features documented on the state survey form
- Whether your insurer is admitted or surplus lines
- Your claims history
Not a quote or an offer. Your price comes from the insurance company.
[Compare quotes]
Explore by state
Texas · Florida · California · Ohio · Georgia · Arizona · Michigan · North Carolina · Pennsylvania · Illinois · Massachusetts · New Jersey · Indiana · Colorado · Alabama · South Carolina · Virginia · Maryland · Oklahoma · Wisconsin · Utah · Maine · Minnesota · Arkansas · Hawaii · Missouri · Tennessee
Related services
Replacing a storm-damaged roof? See roof replacement and roof inspection. Dealing with water damage after a storm? See water damage restoration and mold remediation.
More home insurance guides: Homeowners insurance cost · Condo insurance · Renters insurance · Landlord insurance · Mobile home insurance · Flood insurance · Umbrella insurance · How much homeowners insurance you need · Renters insurance basics · How to get renters insurance · All insurance
More Louisiana guides: Louisiana car insurance
Why AssistQuote is different
On some websites
They ask who you are first
Some forms want your name and phone number before they show you anything useful. You may not know which companies will get it, or how many will call.
Here, you choose
Answer a few questions without giving your name, email or phone number. See prices, what to ask, and providers to explore. You choose who to contact and what to share with them.
- 1
Check local costs
See typical price ranges for your area and what moves the price up or down.
- 2
Tell us what you need
Answer a few questions about the work, not about who you are.
- 3
You decide what's next
Save or email your options, or visit a provider when you're ready.
Cost information is not a live rate, quote or offer. A provider shown here is not an endorsement. Each provider sets its own prices, privacy and contact rules.
Questions people ask
Ready to see homeowners insurance options in Louisiana?
Start with your ZIP code. You will see typical local costs and options to explore. No phone number, email or name needed to look.
You choose if, when and who to contact.
Related services
Renters Insurance
Compare renters coverage options for an apartment or rental home.
Condo Insurance
Explore condo coverage options alongside your association policy.
Landlord Insurance
Explore coverage options for a property you rent out.
Flood Insurance
Explore flood coverage, which standard home policies usually exclude.
Sources
- NAIC homeowners report (2022 data) and affordability index, via Insurance Information Institute
- Louisiana R.S. 22:1265 (cancellation and non-renewal)
- Louisiana R.S. 22:2303 (Citizens rates)
- Louisiana Department of Insurance, Homeowners insurance
- Louisiana Department of Insurance, Stated value policies
- Louisiana Department of Insurance, Wind mitigation incentives
- Louisiana Department of Insurance, Fortify Homes Program FAQ