Best Homeowners Insurance in Louisiana (2024)

State Farm is the best home insurance company in Louisiana, tailored to your specific needs. Cost-conscious consumers will find ASI the most affordable choice in the state. For those needing expensive dwelling coverage, State Farm is again the insurer of choice.

Our comparison utilizes a $100,000 dwelling coverage limit for quote collection. The amount of dwelling coverage needed significantly impacts your insurance premium. MoneyGeek also analyzed the cheapest home insurance in Louisiana if cost is your main concern, without emphasizing service quality.

State Farm stands as the premier company for home insurance in Louisiana, offering the highest ranked coverage in this southern state. Those seeking top-tier home insurance need to look no further than the best overall homeowners insurance providers in Louisiana presented below.

• State Farm: MoneyGeek score of 86 out of 100 ($1,916 per year)
• The Hanover: MoneyGeek score of 85 out of 100 ($1,658 per year)

Balancing cost with good service is vital, and each homeowner's individual needs dictate which provider is the best fit for them. It's not just about finding the lowest price but also securing reliable service that will stand up to the specific demands of living in Louisiana.

The Hanover stands out as the provider offering the best home insurance in Louisiana. It is specifically acclaimed for its top-notch service quality. Homeowners seeking exemplary service will find that the top two home insurance providers in Louisiana are below.

• The Hanover: MoneyGeek score of 87 out of 100 ($1,658 per year)
• State Farm: MoneyGeek score of 83 out of 100 ($1,916 per year)

Opting for insurers with high service quality ensures that, in the event of a claim, you're met with efficient, caring support, making a challenging time more manageable.

For Louisiana homeowners on a budget, ASI stands out as the leader in offering affordable home insurance. Seek the best and cheapest homeowners insurance providers in Louisiana for cost-conscious residents below.

• ASI: MoneyGeek score of 91 out of 100 ($516 per year)
• Foremost Insurance: MoneyGeek score of 87 out of 100 ($1,300 per year)

With an affordability score of 75 out of 75, ASI's offerings are highly cost-effective. However, cheaper premiums don't always equate to superior service. Prioritizing an insurer that delivers a good balance of competitive rates and reliable service is crucial. For instance, a homeowner might prefer a slightly higher average cost of home insurance in Louisiana for a more responsive claims experience.

State Farm is the top choice for homeowners in Louisiana with expensive homes. The providers listed stand out as the best in Louisiana for expensive homes requiring at least $1 million in dwelling coverage.

• State Farm: MoneyGeek score of 88 out of 100 ($10,058 per year)
• ASI: MoneyGeek score of 83 out of 100 ($3,201 per year)

State Farm has an affordability score of 49 out of 55. With expensive homes needing more coverage, which can lead to potentially higher costs, it's critical to find an insurer that provides a strong cost-quality balance.

Foremost Insurance stands out with the best coverage for new homeowners in Louisiana. Below are the best options for homeowners insurance with $500K in dwelling coverage in the state tailored for new properties.

• Foremost Insurance: MoneyGeek score of 73 out of 100 ($3,875 per year)
• The Hanover: MoneyGeek score of 63 out of 100 ($6,260 per year)

Foremost Insurance's affordability score, a solid 55, joined with a commendable service score of 30, offers homeowners an ideal mix of value and reliability.

For veterans, USAA is the unmatched home insurance provider in the state with exclusive policies for military members and their families. USAA's annual premium stands at $1,634. Discover the leading and most affordable homeowners insurance providers in Louisiana for veterans and military families below.

• USAA: MoneyGeek score of 87 out of 100 ($1,634 per year)
• Foremost Insurance: MoneyGeek score of 82 out of 100 ($1,300 per year)

The ideal homeowners insurance for veterans caters specifically to their lifestyle, accounting for regular moves and possible deployment to ensure their residence and possessions remain safeguarded always.

The best homeowners insurance blends exceptional customer service and comprehensive coverage with affordable premiums. Discovering optimal coverage depends on individual circumstances, including asset value and risk tolerance. Below, we outline the steps necessary to identify insurance that best suits your needs.

Selecting the best homeowners insurance provider in Louisiana hinges on your unique requirements and preferences. With that in mind, we've compiled a list of frequently asked questions about the best homeowners insurance providers