After a series of hurricanes in 2020 and 2021, Louisiana homeowners insurance rates have risen, and some insurers have even fled the state. The average cost of homeowners insurance in Louisiana is $2,675 per year, significantly above the national average of $1,820 per year.

However, you’ve still got options when it comes to finding quality coverage. Below are our picks for the best homeowners insurance in Louisiana, plus your cheapest options and a few important things to know.

Note: Due to underwriting practices and market volatility, some companies in this article may no longer write new policies in your area.

The best homeowners insurance in Louisiana

If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.

More about the best home insurance companies in Louisiana

See more details about each company to help you decide which one is best for you.

As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.

Learn more with our State Farm homeowners insurance review.

Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)

If you insure a secondary or seasonal home in Louisiana with Chubb, you can sign up for the company’s Property Manager service at no charge. With this service, a Chubb representative will inspect your home after a hurricane, report its condition to you, submit a claim on your behalf and help prevent further damage.

Learn more with our Chubb homeowners insurance review.

The Hanover gives homeowners lots of choices. You can opt for an auto/home package, a policy designed for high-value homes or a standalone policy for a standard house. You can further customize your policy with a range of coverage options for things like guaranteed replacement cost coverage, which will pay as much as it takes to rebuild your home after a disaster.

The Hanover sells policies exclusively through local independent agents. That means online quotes aren’t available, but you can get personal service to help you choose the right coverage.

Learn more with our Hanover homeowners insurance review.

Rhode Island-based Amica stands out for its customer service and broad range of coverage options. The company has drawn significantly fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners, or NAIC.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

Get more information in our Amica homeowners insurance review.