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Louisiana Home Insurance

Protect Your Home Inside And Out.

Let the good times roll knowing your home in Louisiana is safeguarded against the unexpected. Louisiana homeowners like you can enjoy Allstate's home insurance solutions in New Orleans, Baton Rouge, Shreveport, Lake Charles and beyond.

Your policy will automatically come with the support of a knowledgeable local agent who can help you understand what's covered under your Louisiana home insurance policy.

State Map

Home insurance information is based on your current location.



Standard Home Insurance Coverage Explained.

Most home insurance policies include standard coverage types to help you protect your home, your belongings and your family. These types of standard coverage usually include:

  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
  • Additional protection
    Standard Allstate homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased costs of living like hotel stays in the event your home is uninhabitable after a covered loss.

Enjoy More Coverage Options With House & Home.

With a House & Home policy, you can choose from many types of optional coverage to help protect what matters most to you. Some coverage options available to you could include data recovery, identity theft restoration and protection for valuable items like camera equipment.

Now only Allstate offers these three unique features* together to help protect your rate from going up if you have a claim and reward you by saving you money when you don't. Features like:

  • Claim RateGuard® - Helps protect your rate from going up just because you file a home claim.**
  • Claim Free Rewards - Get a discount for starting out claim-free, plus money back for every year you don't have a claim.
  • NEW! Deductible RewardsSM for Home - Get $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim - up to $500.***

Claim or not, Allstate House & Home Insurance can help protect you and save you money.

Talk to an agent to understand all the optional coverage available to you in Louisiana.

You Can Count On Your Local Louisiana Agent.

In addition to dependable home insurance coverage, you’ll have the support of an Allstate agent who understands the needs of homeowners in the Pelican State. Your Louisiana home insurance agent can:

Find an agent to learn more about the benefits of Allstate Louisiana home insurance.

Louisiana Home Insurance Discounts.

There are many ways to save on home insurance in Louisiana. You can choose from a range of discounts to help you lower your home insurance premium. Your agent can help you understand which Louisiana home insurance discounts you qualify for.

Learn more about Allstate home insurance discounts.

*Features are optional and a part of the Enhanced Package. Not available in all states. Subject to terms, conditions and availability. Savings will vary.
**This feature applies to one claim every five years.
***Must add Enhanced Packaged within 60 days of policy inception to earn an additional $100 reward at the 1st annual renewal. Max deductible rewards that can be used in event of a claim is $500. Subject to availability. Exclusions apply.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
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