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Louisiana

Homeowners insurance in Louisiana: rates, insurers, regulators and new rules.

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Louisiana

Louisiana home insurance: the highest average premium in the U.S., Louisiana Citizens as last resort, named-storm deductibles and 2024-2026 claim reforms.

Homeowners premiums (2025)$3.47 billion
Largest insurerState Farm (21.73% of 2025 premiums)
Insurer of last resortLouisiana Citizens Property Insurance Corporation (FAIR Plan and Coastal Plan)
Insurance department225-342-5900

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