Accessible Marine Insurance
1145 Allen Toussaint Blvd, New Orleans, LA 70124
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1145 Allen Toussaint Blvd, New Orleans, LA 70124
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621 Homedale Street, New Orleans, LA 70124
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3221 Behrman Place, Ste 203 A, New Orleans, LA 70114
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8110 Breakwater Drive, New Orleans, LA 70124
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201 Evans Rd, Ste 315, New Orleans, LA 70123
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3815 MacArthur Blvd, New Orleans, LA 70114
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3239 Bienville St, New Orleans, LA 70119
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855 Baronne St, New Orleans, LA 70113
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4700 Orleans Ave, New Orleans, LA 70119
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601 Poydras Street, New Orleans, LA 70130
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Learn about insurance coverage options specific to New Orleans residents.
New Orleans home insurance averages $6,000-$10,000/year. Learn about flood zones, historic home coverage, and how to lower your premiums in 2025.
Car InsuranceNew Orleans drivers pay $379-$395/month for car insurance—Louisiana's highest rates. Learn why costs are so high and how to save up to $3,000/year.
General Insurance EducationNavigate New Orleans insurance: auto rates average $3,940/year, flood coverage is essential at $774/year, and homeowners pay $8K-$10K annually.
Car InsuranceNew Orleans auto insurance averages $3,940/year. Learn Louisiana's 15/30/25 requirements, uninsured driver risks, and how to save on coverage.
While it's not legally required outside high-risk zones, it's strongly recommended in New Orleans. About 25% of flood claims come from moderate-to-low-risk areas, and the city's below-sea-level geography makes flooding unpredictable. Flood insurance in lower-risk zones can cost as little as $569 annually—a small price for significant protection in a city where water is always a concern.
New Orleans has some of the highest home insurance costs in the United States, second only to South Florida. The average premium ranges from $6,000 to $10,000 annually for a $250,000-$300,000 home, compared to a national average of about $2,478. The high cost reflects the city's extreme hurricane and flood risk.
Standard homeowners insurance covers wind damage from hurricanes, including roof damage and broken windows from high winds. Flood damage from water entering your home—whether from storm surge, heavy rain, or levee breaches—requires a separate flood insurance policy. This distinction is critical in New Orleans, where hurricanes bring both wind and water.
Not necessarily. Standard policies may not account for the higher costs of period-appropriate materials and specialized craftspeople required by preservation guidelines. Make sure your dwelling coverage reflects actual reconstruction costs according to local historic district standards, not just your home's market value. You may need specialized historic home insurance.
Install hurricane-resistant features like impact windows, hurricane shutters, and reinforced roofing to qualify for discounts of up to 20%. Raising your deductible can also reduce premiums by 15-20%, though you'll pay more out-of-pocket during claims. Most importantly, shop around—10 new insurers entered Louisiana's market in 2024, creating more competitive options.
Yes, NFIP flood insurance policies typically have a 30-day waiting period before coverage begins. This means you can't buy flood insurance when a hurricane is approaching and expect immediate protection. The only exception is if you're purchasing flood insurance as a requirement from your mortgage lender, in which case coverage can begin sooner.
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