Home insurance in New Orleans
Protect your home with top-rated coverage that could save you money.
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions, and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does homeowners insurance cover in New Orleans?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in New Orleans
The average cost of home insurance has increased to more than $6,900 per year in Louisiana, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
New home buyer - if you’re purchasing a home for the first time.
IBSH designation - for fortifying your home against disasters.
Claims-free - for keeping your home safe over the years.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
We've got Louisiana covered
We help Louisianans find coverage across the entire Pelican State, including in these cities:
- Baton Rouge
- Bossier City
- Bossier City
- Kenner
- Lafayette
- Lake Charles
- Metairie
- Monroe
- Shreveport
Common questions about New Orleans home insurance
What’s the average cost of home insurance in New Orleans?
The average annual cost of home insurance in Louisiana is $6,939 according to the latest data available from the Consumer Federation of America, but homeowners in New Orleans typically pay significantly more for a policy due to hurricane exposure and extreme flood risks. The best way to find out how much it costs to insure your New Orleans home is to get a home insurance quote.
What factors affect home insurance premiums in New Orleans?
Several factors are used to determine the cost of home insurance in New Orleans, including:
-
Home’s replacement cost value
-
History of hurricane losses
-
Roof and foundation type
-
Your credit-based insurance score
-
Crime rate in the local area
-
Fire protection availability (e.g., proximity to fire hydrants/stations)
-
Your claims history and claims trends in Orleans Parish
How much home insurance do I need in New Orleans?
Consider the following tips to help ensure you’re properly covered:
-
Choose a dwelling coverage limit that can cover 100% of the cost to rebuild your home.
-
Evaluate other structures on your property, such as detached garages and sheds, and ensure your policy has enough other structures coverage to rebuild them after a total loss.
-
Take a home inventory to determine the total value of your insurable belongings to ensure you have enough personal property insurance.
-
Personal liability insurance can provide financial protection if you’re at fault for a guest’s injuries or damage to a third party’s property. It can also cover legal expenses if you’re sued after the matter. Choose a limit that protects the total value of your assets.
What does home insurance not cover in New Orleans?
A home insurance policy in New Orleans excludes coverage for the following:
-
Flood damage, including that caused by intense storms, storm surges, or overflowing bodies of water
-
Damage caused by sewer backups and sump pump failures
-
Most instances of mold, mildew, and rot
-
The cost to repair or replace systems, components, or materials compromised by regular wear and tear
-
Termite, animal, or pest infestations and any resulting damage
-
Anything specifically excluded from coverage as detailed in your policy documents
What additional coverages should New Orleans homeowners consider?
Given the high flood risk, frequent hurricanes, and dense population, homeowners should strongly consider:
-
Flood insurance
-
Sewer/water backup protection
-
Extended replacement cost coverage
-
Ordinance or law insurance
Is home insurance required in New Orleans?
Home insurance is not mandated by law in Louisiana, but is typically required by mortgage lenders. You may also be required to carry flood insurance as part of a mortgage agreement or if the property has received FEMA aid in the past.
Even if you aren’t required to carry home insurance in New Orleans, a policy can save you hundreds of thousands of dollars after a total loss — a cost you’d need to pay out of pocket without coverage.
}}?auto=webp&width=590&height=390&crop=59:39)