Average homeowners insurance cost in Shreveport, Louisiana

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Homeowners in Shreveport pay an average of $4,885 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible. That’s $2,310 more than the national average of $2,575. Among local insurers, Farmers comes in with the lowest rates, averaging $2,329 per year.

Still, that number won’t apply to every household. Home insurance premiums in Shreveport can vary by hundreds or even thousands of dollars depending on:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Ways to lower your home insurance in Shreveport

Compare at least three quotes before every renewal – different companies offer the same coverage at different prices
Raise your deductible from $1,000 to $2,500 to save 10% to 15%
Bundle home and auto for a 10% to 25% multi-policy discount
Ask about discounts for security systems, smart-home devices, and claims-free history
Improve your credit in states where insurers use it

Average homeowners insurance cost per month in Shreveport

Homeowners in Shreveport pay an average of $407 per month for coverage, which is $88 more than compared to the state average of $495 and $193 more than compared to the national average.

Comparing quotes from multiple insurers is one of the easiest ways to find lower rates in your area.

Does it feel like you’re paying a lot for insurance in Shreveport?

Your rate isn’t set in stone. A few changes to your policy or home can reduce your monthly costs.

You can lower your costs by:

Increasing your deductible
Bundling your home and auto insurance
Improving your credit score
Installing smoke detectors or a home security system
Comparing quotes from multiple insurers regularly

Small adjustments to your coverage or property can add up to real savings over time.

Average homeowners insurance cost for a $200,000 house in Shreveport

Homeowners carrying $200,000 in dwelling coverage in Shreveport pay an average of $3,533 per year. Rates can shift based on local hazard exposure, and homes in areas prone to natural disasters often face steeper premiums due to higher potential rebuild costs.

Standard home insurance policies don’t cover flood or hurricane damage as a rule, because these events tend to cause massive, simultaneous losses across entire regions. If you’re in a designated risk zone, a separate flood or windstorm policy may be necessary to avoid a major coverage gap.

Whatever coverage level you choose, make sure your dwelling limit reflects what it would cost to rebuild your home today at current labor and material prices, not just what the home is worth. Shopping around, keeping up with your coverage limits, and maximizing discounts are smart habits year-round.

A quick look at homeowners insurance costs in Shreveport

Home insurance in Shreveport averages around $4,885 per year, but what you actually pay depends on the coverage level you choose and which insurer you go with. Shopping around and selecting the right limits can make a meaningful difference in your annual cost.

Homeowners insurance costs $4,885 per year in Shreveport
At $2,329 per year, Farmers offers the cheapest homeowners insurance in Shreveport
Your home insurance rates increase by $1,352 more annually if you increase your dwelling coverage from $200,000 to $300,000

Average homeowners insurance cost for a $300,000 house in Shreveport

Insuring a $300,000 home in Shreveport costs an average of $4,885 per year. Increasing coverage from $200,000 to $300,000 raises premiums by about $1,352 annually.

Higher coverage limits increase premiums because the insurer may need to pay more to rebuild your home after a major loss. If you choose to increase your coverage, it can be a smart financial decision since paying a little more now may help protect you from much larger out-of-pocket costs after a serious claim.

People also ask:

How much dwelling coverage do you need for your home?

Your dwelling coverage should be enough to fully rebuild your home at today’s construction prices – which is often different from what the home would sell for on the market. According to the Insurance Information Institute (III), a nonprofit organization that provides data and insights on the insurance industry, most policies cover personal belongings at roughly 50% to 70% of the dwelling coverage amount. To find the right number, factor in your home’s size, the materials it’s built with, and local labor costs in Shreveport.

Is $300,000 enough homeowners insurance coverage?

It depends on what it would cost to rebuild your specific home in Shreveport. In areas with higher construction costs, $300,000 may not stretch far enough. Compare your coverage to rebuilding costs, not your home’s market value.

Average homeowners insurance cost in Shreveport by company

When it comes to affordability, Farmers leads the pack in Shreveport with an average annual rate of $2,329. Louisiana Farm Bureau and Allstate round out the list of the most budget-friendly options available locally.

Premiums and policy terms vary considerably across insurers, so gathering multiple quotes gives you the clearest picture of what’s available in your market.

Home insurance company	Annual rate
Farmers	$2,329
Louisiana Farm Bureau	$5,093
Allstate	$5,683
State Farm	$6,538

What factors affect homeowners insurance rates in Shreveport?

When an insurer calculates your premium, they’re trying to answer two questions: how likely are you to file a claim, and how much would that claim cost? The answer draws on details about your home, your neighborhood, your coverage selections and your credit profile.

These variables that tend to have the biggest impact:

Size of your home. Rebuild cost drives your dwelling coverage limit, and rebuild cost scales with size. A 3,500-square-foot home costs more to insure than a 1,500-square-foot home on the same block because it would cost more to reconstruct. Insurers use square footage, materials, and local construction rates to arrive at that number. Your home’s market value doesn’t factor in.
Age of your home. The older the home, the more likely it is to have risk-prone systems. Think aging electrical panels, galvanized pipes, and weathered roofs. A 1925 home with original wiring can cost 20% to 40% more to insure than a newly built equivalent. Documenting and reporting recent upgrades to your insurer can help offset the age penalty.
Amount of coverage you need. Dwelling and liability limits directly affect your premium, and more coverage costs more. But your deductible works the other way. Raising it from $1,000 to $2,500 can reduce your premium by 10% to 15%, and going up to $5,000 can cut it by more than 20%. The catch is that you need to be able to cover that amount if a claim arises.
Location. Your ZIP code carries a lot of weight. Insurers assess local weather patterns, wildfire exposure, crime statistics, and emergency response times. A home more than 5 miles from the nearest fire station will typically cost more to insure because response times are longer and fire damage is likely to be more extensive.
Your credit score. A credit-based insurance score is used by most insurers as a predictor of claim frequency. Homeowners with poor credit can end up paying 50% more than those with excellent credit for equivalent coverage. This practice is off the table in California, Maryland, and Massachusetts.
Claims history. A track record of frequent claims, whether on your current home or a previous one, can raise your premium or limit your options. Insurers often review the CLUE report tied to your address, which means claims filed by former owners may show up and affect your rate too.

Frequently asked questions

Is homeowners insurance required in Shreveport?

Homeowners insurance isn’t mandated by law in Shreveport, but if you carry a mortgage, your lender will almost certainly require it. And even for homeowners without a mortgage, forgoing coverage is a serious gamble. A fire, severe storm, or other major event could generate repair bills well exceeding $100,000 with no insurance to absorb the cost.

How much coverage do I need for my home?

You need enough dwelling coverage to fully reconstruct your home if it were a total loss, using current local costs for materials and labor rather than what the home is listed or appraised for. A replacement cost estimate from your insurer or a qualified appraiser can get you to a reliable number. Plan to revisit it periodically, since construction costs tend to climb over time.

What does homeowners insurance not cover?

Flood and earthquake damage sit outside the scope of standard policies, and both require separate coverage if you’re in a high-risk area. Other common exclusions include ordinary wear and tear, pest damage, and sewer backup issues, though some of these can be added through endorsements or riders. Before you ever need to file, it’s worth reading your policy closely so you know exactly where your protection begins and ends.

Methodology

In 2025, Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Shreveport for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Sources

Insurance Information Institute. How much homeowners insurance do you need? Accessed May 2025.

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.