Home insurance, Houma, LA

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Just about an hour’s drive west from New Orleans sits Houma, the largest city in Terrebonne parish. The city is in Louisiana’s Bayou Country, and the area boasts over 2,500 square miles of swampy wetlands to explore. This plus Houma’s deep-rooted Cajun culture makes the city a popular place to live and visit.

But Houma’s is also bordered by the Gulf of Mexico, and that means each of the city’s 12,600 households need a good Louisiana home insurance policy that covers windstorms and other risks. Unfortunately, the risk for hurricanes has made getting quality homeowners insurance in Houma, LA difficult.

At least, it was difficult before Kin* came to town. Our most recent data show our average Houma homeowner pays just $2,586 per year.

Houma home insurance cost

Because of its proximity to the bayou and the Gulf Coast, Houma is a target for disasters and pays the price through high insurance premiums. Homeowners premiums in Houma are among the most expensive in Louisiana.

Hurricane risk isn’t the only factor Insurance companies consider when pricing home insurance in Houma, LA. They also look at several elements that go into your home insurance premiums, including your:

  • Location.
  • Square footage.
  • Age.
  • Building materials.
  • Claims history.

We’re dedicated to keeping costs down for home insurance in Houma, and we do that with technology. By analyzing thousands of data points, we can price our coverage fairly so your premium is customized to your particular set of risks.

What Houma home insurance covers

Most home insurance offers several protections for different types of loss. Policies place through Kin typically include:

Homeowners insurance through Kin covers wind damage caused by a hurricane and offers several hurricane deductibles to choose from. Water damage from a named storm is seldom included, and that may mean Houma residents need separate flood insurance.

Houma's unique risks

More than 85% of the Terrebonne Parish is made up of water and wetlands, which means Houma has a serious risk for flooding when major storms pass through. Learn what risk your home is at by looking it up on the flood map.

One of the major causes of flood is hurricane storm surge. Storm surge is not a covered peril in most homeowners policies and needs to be covered by flood insurance. Hurricanes are becoming more frequent in number and intensity, so Houma homeowners should review their coverage to make sure they’re properly prepared.

If you live in the Houma area, you may also want to get protection from sinkholes. The ground has a lot of minerals that can erode when saturated, and this may lead to ground collapse. Many home policies do not cover sinkholes, but you can often add this coverage through an endorsement to pay for things such as collapsed floors, buckled walls, and falling ceilings.

Tips for lowering Houma home insurance costs

Another way to save on homeowners insurance in Houma, Louisiana is to look into discounts. We offer several discounts or premiums credits for:

You may also be able to reduce your premium on your home insurance by opting for a higher deductible. This is a good plan as long as you can afford to pay the amount you pick at the time of a loss. Homeowners insurance policies through Kin have the following options for both your hurricane and AOP deductible:

  • $500
  • $1,000
  • $2,500
  • $5,000
  • $7,500
  • $10,000
  • Or 1%, 2%, 3%, 4%, 5%, or 10% of Coverage A

If you have any questions about getting insured in Houma or would like a quote, enter your address or call us at 855-717-0022.

*Kin is Kin Insurance Network Distributor, LLC, a licensed surplus lines producer.

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