Homeowners Insurance in Baton Rouge

Serving Customers Across Louisiana Since 1968

Your home is more than just walls and a roof — it’s where your life happens. Our Baton Rouge homeowners insurance policies help protect your home, belongings, and memories from unexpected events like storms, fire, or theft. Get coverage you can count on, backed by a local team that understands Louisiana risks.

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5 Stars
I love the fact that Gretchen found a lower insurance rate without being prompted to review my policy. She saved me close to $700 a year.
–
Johanna G.
5 Stars
Brittany was able to save me almost half off the rate I was getting with my previous provider, while still keeping the same coverage! Fast and easy to work with. Highly recommend Brittany with Lewis Mohr!
–
Layne S.

Why Choose Lewis Mohr Insurance Agency

Trusted Since 1968: As a third-generation, locally owned agency, we’ve helped Baton Rouge families protect their homes for over 50 years with personalized service and deep community roots.

Independent & On Your Side: We’re not tied to one provider—our agents compare quotes from multiple top-rated insurance companies to get you the best coverage at the best price.

Experts in Louisiana Home Insurance: From hurricane risks to flood zones, we understand the unique challenges of owning a home in Baton Rouge and tailor policies that actually work when you need them.

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Top Questions About Homeowners Insurance in Louisiana Answered

Brittany Mohr Headshot
Answered by
Brittany Mohr Hunter, ARM, AINS
Updated on
Aug 04, 2025

How much is homeowners insurance in Baton Rouge?

The average cost of homeowners insurance in Baton Rouge is estimated to be around $2,440 per year, which is about 16% higher than the national average (Source: NerdWallet). However, your actual rate will vary based on several factors, including the age and condition of your home, your coverage limits and deductibles, your claims history, and even the location within Baton Rouge.

Is homeowners insurance required in Louisiana?

Homeowners insurance isn’t required by law, but most mortgage lenders mandate it to protect their investment. Even if you own your home outright, coverage is essential to safeguard against storms, theft, or liability.

What is the best home insurance company in Louisiana?

As an independent agency, Lewis Mohr Insurance Agency is uniquely positioned to shop leading carriers for the best rates and coverage. We compare multiple top-rated insurers to tailor policies that fit your home and budget—not the other way around.

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What Homeowners Insurance Usually Covers

  • Structure of your home. Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. Most policies also cover detached structures such as a garage, tool shed or gazebo— generally for about 10 percent of the amount of insurance you have on the structure of the house.
  • Personal belongings. Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the insurance you have on the structure of the house.
  • Liability protection. Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets.
  • Additional living expenses (ALE). ALE pays the additional costs of living away from home if you cannot live there due to damage from an insured disaster. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.

Did You Know?

Louisiana experienced the second-highest actual increase in homeowners insurance premiums in the U.S. in 2023, with rates rising by 23% over the year.
S&P Global Market Intelligence

What Homeowners Insurance Usually Doesn't Cover

  • Earthquake and water damage. These can be purchased as separate policies or endorsements.
  • Maintenance issues. Damage resulting to your home from lack of maintenance is not covered.
  • Personal damage. Protection from lawsuits from nonphysical injury such as defamation and slander are not covered, but can be purchased separately.
  • Wear & Tear. Normal wear & tear to your home including roofs and siding are not covered.