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Homeowners Rate Comparison Guide
An Online Tool to Help Shop Your Rate

When shopping for insurance, look for a company that is financially sound, has a history of good service and charges a fair rate. Remember, no matter how low the premium might be, an inexpensive policy does you no good if the insurance company cannot cover your claim after your home has been damaged or destroyed.

Consumers can use this online tool to compare homeowners insurance rates among companies. This system is not meant to provide an exact estimate of your cost of insurance, but rather to demonstrate the importance of shopping around for the best policy to protect your home.

Please keep in mind these examples will not precisely reflect your individual circumstances. The sample customer profiles are based on common situations in Louisiana and demonstrate how different factors (e.g. age of home, multi-line discount, credit score) can impact your annual premiums. The sample scenarios are for a HO-3 Policy which is a typical comprehensive form used for single-family homes.

 

Some of the companies included may not be currently writing new business in a particular area.

Also, you may find that a company not included in this guide can best provide the coverage and service you need. The companies listed here are some of the top carriers in Louisiana based on premium volume. The Louisiana Department of Insurance recommends that you contact the insurance companies or agents of your choice to obtain an official premium quote.

To begin comparing homeowners’ insurance, select one of the examples below:

Coverage Level: 10-year-old dwelling with brick veneer construction, 1800 square feet, $200,000 building coverage, $100,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, clean claims history, 710 credit score, no wind mitigation, and no multiline discount.

Coverage Level: 10-year-old dwelling with wood frame construction, 1800 square feet, $200,000 building coverage, $100,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, clean claims history, 710 credit score, no wind mitigation, and no multiline discount.

Coverage Level: 10-year-old dwelling with brick veneer construction, 1800 square feet, $200,000 building coverage, $100,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, prior claim of $10,000 fire loss made 18 months ago, 710 credit score, no wind mitigation, and no multiline discount.

Coverage Level: 10-year-old dwelling with brick veneer construction, 1800 square feet, $200,000 building coverage, $100,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, clean claims history, 580 credit score, no wind mitigation, and no multiline discount.

Coverage Level: 10-year-old dwelling with brick veneer construction, 1800 square feet, $200,000 building coverage, $100,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, clean claims history, 780 credit score, no wind mitigation, and no multiline discount.

Coverage Level: 10-year-old dwelling with brick veneer construction, 1800 square feet, $200,000 building coverage, $100,000 contents coverage, 2% hurricane deductible/$1,000 all other peril deductible, clean claims history, 710 credit score, no wind mitigation, and no multiline discount.

Coverage Level: 10-year-old dwelling with brick veneer construction, 1800 square feet, $200,000 building coverage, $100,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, clean claims history, 710 credit score, no wind mitigation, and home/auto multiline discount.

Coverage Level: 10-year-old dwelling with brick veneer construction, 1800 square feet, $200,000 building coverage, $100,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, clean claims history, 710 credit score, fully mitigated, and no multiline discount.

Coverage Level: 25-year-old dwelling with brick veneer construction, 1200 square feet, $100,000 building coverage, $50,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, clean claims history, 710 credit score, no wind mitigation, and no multiline discount.

Coverage Level: 20-year-old dwelling with brick veneer construction, 1500 square feet, $150,000 building coverage, $75,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, clean claims history, 710 credit score, no wind mitigation, and no multiline discount.

Coverage Level: Dwelling is less than 1-year-old with brick veneer construction, 2400 square feet, $300,000 building coverage, $150,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, clean claims history, 710 credit score, no wind mitigation features beyond the Louisiana building code requirements for homes built after January 2007, and no multiline discount.

Coverage Level: Dwelling is less than 1-year-old with brick veneer construction, 2800 square feet, $400,000 building coverage, $200,000 contents coverage, 2% hurricane deductible/$500 all other peril deductible, clean claims history, 710 credit score, no wind mitigation features beyond the Louisiana building code requirements for homes built after January 2007, and no multiline discount.