Louisiana's best home insurance companies are State Farm, ASI, The Hanover, Foremost and Allstate. The Hanover ranks first for coverage options, ASI leads in affordability, and State Farm excels in customer service. Compare all our top picks below.
Best Homeowners Insurance in Louisiana
Updated: June 20, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Louisiana are State Farm, ASI and The Hanover.
State Farm offers the best overall home insurance for most Louisiana homeowners. However, if you have bad credit, State Farm is also the better option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Louisiana?
| State Farm | 89 | 2 | 1 | 3 |
| ASI | 83 | 1 | 5 | 5 |
| The Hanover | 79 | 5 | 3 | 1 |
| Foremost Insurance | 78 | 3 | 4 | 2 |
| Allstate | 77 | 4 | 2 | 3 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While the best overall home insurance providers are ranked, individual needs and property types can shift these rankings. Below is a summary of top picks across major categories.
| State Farm | 89 | Overall |
| State Farm | 89 | Older Homes |
| State Farm | 88 | Newer Homes |
| State Farm | 91 | High-Fire-Risk Areas |
| State Farm | 89 | Bad Credit |
| State Farm | 90 | With Claims History |
Best Louisiana Home Insurance by City
Home insurance provider rankings in Louisiana cities vary based on affordability, local service and coverage options. For example, State Farm ranks best in Baton Rouge with a MoneyGeek score of 86, while it tops the list in Metairie and New Orleans with a score of 92. Below, we've highlighted the top providers by city to help you choose the right option.
| Baton Rouge | State Farm | 86 |
| Lafayette | State Farm | 90 |
| Metairie | State Farm | 92 |
| New Orleans | State Farm | 92 |
| Shreveport | State Farm | 86 |
Best Louisiana Home Insurance Reviews
Discover our top home insurance picks in the state, where we spotlight leaders in affordability, customer service, and coverage options to guide your decision-making process.
ASI: Best for Affordability
ASI is an affordable home insurance provider for most Louisiana homeowners. While not a top option for customer service or coverage compared to industry leaders, ASI offers standard protection options including backup of sewer drain coverage and scheduled personal property coverage. ASI provides comprehensive property and liability coverage with additional options such as replacement cost on personal property and increased limits on jewelry.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $52 | $630 |
| Newer Homes in High-Fire-Risk Areas | $61 | $738 |
| Older Homes | $99 | $1,184 |
| Older Homes in High-Fire-Risk Areas | $116 | $1,387 |
State Farm: Best for Customer Service
State Farm delivers reliable service among Louisiana home insurance companies. State Farm's comprehensive coverage includes an increased dwelling limit that automatically extends dwelling coverage up to 20% above your chosen limit and extensive coverage add-ons, including extended replacement cost coverage, scheduled personal property coverage, water backup coverage and wildfire protection.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $187 | $2,246 |
| Newer Homes | $187 | $2,246 |
| Older Homes | $312 | $3,744 |
| Older Homes in High-Fire-Risk Areas | $312 | $3,744 |
The Hanover: Best for Coverage
For new homeowners in Louisiana, The Hanover is a comprehensive option for home insurance. Its extensive coverage includes unique add-ons like guaranteed replacement cost coverage that insures the full replacement cost to rebuild your home regardless of rising material and labor costs and extended dwelling replacement cost that helps make up the difference up to an additional 25% if your dwelling coverage isn't enough.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes | $154 | $1,852 |
| Newer Homes in High-Fire-Risk Areas | $201 | $2,407 |
| Older Homes | $208 | $2,502 |
| Older Homes in High-Fire-Risk Areas | $271 | $3,252 |
How to Find the Best Home Insurance in Louisiana
We've created a straightforward guide to help you confidently choose the right coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors like wildfires and flooding.
- 2
Research costs and discounts
Figure out how much home insurance costs in Louisiana to see if providers truly offer savings. Also, check for any discounts you qualify for, such as bundling policies or installing home safety devices, to help maximize savings.
- 3
Find the best providers for you
After researching coverage and costs, find the best and cheapest home insurance in Louisiana. Research to evaluate customer service ratings, pricing specific to your needs, and coverage add-ons that suit your situation.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Louisiana: Bottom Line
State Farm, ASI and The Hanover are the best-rated homeowners insurance providers in Louisiana. While these are strong recommendations, comparing options can help you find the right fit for your specific needs.
Best Home Insurance in Louisiana: FAQ
To simplify your decision-making, we’ve answered common questions about selecting a home insurance provider in Louisiana.
Which company is best for home insurance in Louisiana?
State Farm is the best homeowners insurance provider in Louisiana thanks to its affordability, customer service, and strong add-on coverage options. ASI, The Hanover, Foremost and Allstate are also great options in the state.
Who has the most affordable homeowners insurance in Louisiana?
Identifying the most affordable homeowners insurance requires considering your unique needs and property details. However, the average annual cost in Louisiana is $4,547.
How do you get the best homeowners insurance in Louisiana?
To find the best home insurance in Louisiana, assess your coverage needs, compare providers and request multiple quotes to ensure competitive pricing and protection.
How We Decided the Best Home Insurance in Louisiana: Our Methodology
We rated the best homeowners insurance providers in Louisiana using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.