Homeowners Insurance in Shreveport, LA

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Shreveport, LA skyline in the daytime

Shreveport may advertise itself as “Louisiana’s Other Side,” but the city is the top choice for over 187,000 people. Between the festivals, food, and casinos, it’s easy to see why. But owning a home in Shreveport also has its risks, including severe thunderstorms, hail, and tornadoes that can cause serious damages.

This is why many of the 73,000 households in the city look for quality home insurance in Louisiana. They know that one disaster can mean tens of thousands of dollars or more in bills if they don’t have coverage. And when they work with us, they find affordable policies. Our most recent data shows the average Kin customer pays just $1,139 per year.

Cost & Competitor Comparison for Homeowners Insurance for Shreveport

Shreveport’s position away from the coastline helps keep home insurance costs down, at least compared to the rest of the state. However, just about every detail of your home comes into play when determining premium, including its:

  • Location.
  • Size.
  • Age.
  • Building materials.

The deductibles you select as well as your claims history shape your premium. Moreover, every insurance company weighs those factors differently, so rates can vary quite a bit. The chart below demonstrates this using our most recent data.

Average Shreveport Home Insurance Rates by Provider

Kin Centauri United P&C SafePoint
Annual Cost $1,139 $1,357 $1,471 $3,046

The coverage limits you choose also affect your premiums, especially for dwelling coverage. Take a look at how premiums vary for new and old homes with different dwelling coverage limits.

What Homeowners Insurance In Shreveport Covers

Shreveport home insurance has six distinct coverage parts to help you recover from a variety of losses you could face as a homeowner.They are:

  • Replacement-cost dwelling coverage to help pay for repairs to your actual home if it’s damaged by a covered peril.
  • Other structures coverage to help with repairs to detached structures, such as garages, fences, and sheds.
  • Personal property coverage to cover the contents of your home, such as electronics, furniture, and appliances.
  • Loss of use coverage to pay for additional living expenses if you’re displaced from your home during a claim.
  • Personal liability coverage to cover your expenses if someone claims you’re responsible for their injuries or property damage.
  • Medical payments coverage to pay your guests’ immediate medical bills if they get hurt while visiting you.

The policies we offer cover your home for common perils, such fire, theft, vandalism, and windstorm. Hurricane risk may be low for Shreveport, but the city does periodically experience damage from hurricane- and tropical storm-generated winds. If that happens again, you would be responsible for a separate hurricane deductible. Note, however, that homeowners policies seldom cover flood damage.That requires a specialized flood insurance policy.

Shreveport Unique Risks

When you live in Shreveport, Louisiana, you have to be concerned about flood risks. Areas near the Red River and Cross Lake as well as other portions of the city are designated flood zones, mostly Flood Zone AE where homeowners are required to have flood insurance.

One of the major causes of flooding are hurricanes. While Shreveport isn’t automatically hit with every hurricane that comes up from the Gulf Coast, Hurricane Laura caused damage in 2020, so residents still need to be prepared for potential storms.

Shreveport is also unique in the number of tornadoes it sees every year. The city typically experiences more tornadoes on average than the rest of Louisiana. In fact, the average number of tornadoes for Shreveport is higher than it is for the entire US.

Tips for Lowering Shreveport Home Insurance Costs

One way to save money on homeowners insurance in Shreveport is with discounts. Our customers have gotten discounts when they:

You can also save money by increasing your deductible. That typically lowers your premiums, but you need to be cautious if you choose this option. You want to pick a deductible that you can afford when you file a claim.

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

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