New Orleans, LA
Homeowners Insurance in New Orleans.
For Orleans Parish homes. Wind exposure, roof age and construction shape which carriers will quote, and historic and raised homes are underwritten on those details.
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New Orleans
What shapes homeowners insurance in Orleans Parish.
Wind drives New Orleans losses
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 the out-of-pocket figure after a storm depends on your home's insured value rather than a flat dollar amount.
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. Louisiana Citizens is the state's residual-market insurer for homes the standard market won't write.
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.
What a quote needs
Homeowners Insurance in New Orleans.
What we'll typically ask for.
- Property address
- Year built and square footage
- Roof age and material
- Electrical, plumbing and HVAC updates
- Prior claims
- Current declarations page
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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How much you save depends on your carrier, your home, and the wind-and-hail portion of your premium, so we do not quote a fixed figure here.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
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Homeowners Insurance in New Orleans, answered.
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