New Orleans, LA
Homeowners Insurance in New Orleans.
Independent homeowners coverage for Orleans Parish — we compare carriers writing New Orleans wind and coastal risk, including historic and raised homes standard markets often decline.
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New Orleans
Local homeowners insurance, built for Orleans Parish.
Built for New Orleans wind risk
Tropical wind and hail — not fire or theft — drive most New Orleans homeowners losses. Louisiana policies carry a separate, percentage-based hurricane or named-storm deductible, so what you'd pay out of pocket after a storm depends on your home's insured value rather than a flat dollar amount. We walk through that math before you bind.
A market that's gotten harder
Carrier appetite for Orleans Parish coastal wind has tightened in recent years, and standard markets decline more New Orleans homes than they used to. As an independent agency we shop multiple carriers — and can access Louisiana Citizens, the state's residual-market insurer, when the standard market won't write the risk.
Historic and raised homes
New Orleans housing skews older — shotgun doubles, raised-basement homes, and historic-district properties — which changes how roof age, wiring, and construction type get underwritten. We place these with carriers that understand the local building stock rather than declining on age alone.
Coverage details
Homeowners Insurance in New Orleans.
What a homeowners insurance policy placed for a New Orleans property typically includes.
- Dwelling, other structures, personal property, and liability on an HO-3 or HO-5 form
- Separate hurricane / named-storm wind deductible explained up front
- Wind and hail from tropical systems — the primary New Orleans peril
- Access to Louisiana Citizens when the standard market declines the risk
- Flood is excluded — pair with a separate flood policy (we place both)
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FORTIFIED roof
A stronger roof, a smaller premium.
Louisiana homeowners can fund a wind-resistant roof and earn an insurance discount the state now requires carriers to give. We factor FORTIFIED into the quotes we shop for you.
Up to $10,000
A grant to strengthen your roof
The Louisiana Fortify Homes Program awards up to $10,000 toward retrofitting an existing roof to the IBHS FORTIFIED Roof standard — a sealed roof deck, ring-shank nails, and reinforced edges engineered to stay on in hurricane-force wind. Funds are released once IBHS issues the FORTIFIED certificate.
A required discount
Insurers must credit a FORTIFIED roof
Louisiana law requires insurers to discount the wind and hurricane portion of your premium for a FORTIFIED-designated home, phased in fully by January 1, 2027. The IBHS certificate is the documentation carriers use to apply that credit.
A credit on your premium
What the discount is worth
How much you save depends on your carrier, your home, and the wind-and-hail portion of your premium, so we do not quote a fixed figure here. The Louisiana Department of Insurance publishes the current FORTIFIED discount rules, and we factor the credit into every quote we shop for a designated home.
Sources: Louisiana Department of Insurance — Louisiana Fortify Homes Program · IBHS — FORTIFIED standard
FAQ
Homeowners Insurance in New Orleans, answered.
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