Home insurance in Lake Charles, LA

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Nestled along the western border of Louisiana, Lake Charles has something for everyone. The area offers plenty of outdoor recreational opportunities, plus casinos, art galleries, and tons of fun festivals. But for all its great qualities, Lake Charles, like many Louisiana cities, is at significant risk when hurricanes strike.

Every member of Lake Charles’ 32,600 households knows they have to be prepared for the worst case scenarios. This is one reason having home insurance in Lake Charles, LA﹘especially one that cover hurricane losses﹘ is imperative. The trick is finding an affordable policy.

Home insurance costs in Lake Charles, LA

Homeowners insurance premiums aren’t a one-size-fits-all program. A lot of factors play a role in deciding your annual costs, including location, proximity to risk, and the building materials used. And if you’ve had a claim in recent years, that may drive your costs up.

The age and size of your home play a major role in your premium, and most of that shows up in your dwelling coverage limits. Newer homes often see more favorable rates because they typically use modern building techniques and materials.

Technology helps us offer some of the most affordable home insurance in Lake Charles. Because the policy rates are based on granular data, they reflect the true risk your home actually faces.

What Lake Charles home insurance covers

Most home insurance policies have basic coverages, each of which provide financial protection in different types of losses that can occur on your property. Policies offered by Kin* typically have:

The policies we offer cover damage caused by wind. Just remember your hurricane deductible kicks in if a named storm hits Lake Charles. However, water damage from a hurricane is almost always excluded from home insurance, which means you may need flood insurance to cover against storm surge.

Unique risks in Lake Charles homeowners

Many parts of Lake Charles sit in Flood Zones A and AE, which makes them Special Flood Hazard Areas according to the Federal Emergency Management Agency. These areas are required to get flood insurance because they're close to lakes and rivers or have a low elevation that increases the risk of flooding during heavy rains. However, Lake Charles saw 18 inches of rain that led to historic flooding in May 2021, which may make flood insurance a good idea throughout the city.

Lake Charles residents also had to deal with damage from Hurricanes Laura and Delta in 2020. Review your hurricane coverage with your insurance representative to make sure you are adequately covered for the worst case scenario.

Tips for lowering Lake Charles home insurance costs

Home insurance in Lake Charles isn’t cheap. We get that. That’s why we offer several discounts and premium credits. You may be eligible for a discount if you:

Another way to save on homeowners insurance premiums is to increase your deductible. While this means you pay more out of pocket in a claim, it does reduce your premium and may be worth a look. For home insurance in Lake Charles, we can offer 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

Please call us at 855-717-0022. if you have any questions about getting home insurance in Lake Charles or enter your address if you’re ready for a quote.

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

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