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// FREE HOME INSURANCE CHECKUP
Why Is My Home Insurance So High?
Renewal went up again? Answer 7 quick questions and see which things are likely pushing your price up, and which ones are working for you.
Question 1 of 7
Free, about a minute, and no contact info needed.
What Drives Your Home Insurance Price in Louisiana
Some of your price comes down to things you can't change, like how close you live to the Gulf and how hard the last few hurricane seasons hit your carrier. But a big part comes from your house and your policy, and that's what this checkup looks at.
Your roof matters most. Carriers start looking hard at a roof around 10 years old, and past 15 many won't write the house at all. Your hurricane deductible is next. A grandfathered 1% deductible feels great until you see what it costs you every year. Claims in the last five years follow you to every company, and small discounts like a monitored alarm or bundling with auto only help if they're actually on your policy.
And then there's the market. Every carrier weighs these things differently, so the same house can price hundreds of dollars apart from one company to the next. If your policy hasn't been compared in a few years, the checkup will flag that too.
Home Insurance Price Questions, Answered
Usually because the cost to rebuild went up, not because of anything you did. Carriers raise your dwelling coverage each year to keep up with construction prices, and your premium follows it. Louisiana carriers have also raised rates across the board after several hard hurricane seasons. Your roof getting a year older can matter too. Our guide on why home insurance is so expensive in Louisiana covers the rest.
It can. A newer roof opens the door to more carriers, and some carriers that pay older roofs at a depreciated value will pay full replacement cost on a new one. A certified Fortified roof also earns a discount on the hurricane part of your premium. Read about the Fortify Homes grant before you replace your roof.
That depends on what you could pay after a storm. A higher deductible lowers your premium, but 5% on a home insured for $300,000 is $15,000 out of pocket. Our hurricane deductible guide shows what 1%, 2% and 5% mean in real dollars so you can decide.
No. It points out the things carriers weigh most so you know where you stand. Your actual price depends on which company writes your home. If you want real numbers, we can compare carriers for you, or call us at (225) 395-4000.
