
Although it may seem absurd to spend so much on homeowners insurance, nearly half of Louisianans spend over 30% on rent and utilities. But, a policy protects the most important asset of our lives - our homes. Louisiana homeowners insurance is the best option to ensure financial security in case anything happens to your home.
The Hanover
The Hanover is a large holding company that includes several Property and Casualty insurance companies. It is the country's largest insurance company and offers a wide range of insurance products. Customers have complained about the quality of customer service and claims, despite its financial strength. NerdWallet gives homeowners insurance companies an overall rating based on consumer satisfaction and complaints. Review a company if you have negative experiences with them.
USAA is considered the second-cheapest plan
USAA is the most affordable homeowners insurance plan available in Louisiana. A USAA policy costs $1,724, which compares to the national average of $1.796. USAA premiums may be slightly more expensive than Allstate or State Farm, but they are still cheaper than Allstate. These costs are calculated based on an average homeowner of 40 years with a $1,000 deductible, $300,000.00 of liability coverage.
USAA is a FAIR plan
FAIR Plans are government programs which provide insurance for high-risk homes. These areas can be high-crime or prone to natural catastrophes. They might also have a high rate of claims or be in serious disrepair. FAIR Plans may require you to take additional steps for your home's improvement. You might have to replace wiring or install an alarm system.

Hanover offers service coverage, water backup coverage, and guaranteed replacement price coverage
The Hanover provides homeowners with a variety of coverage options. The insurance policy includes a deductible waiver, multiple insured items, as well as guaranteed replacement cost coverage. The policy covers many types of damages. You can file a claim through the company's website.