Swanson Insurance Agency
5301 Elysian Fields Avenue, New Orleans, LA 70122
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5301 Elysian Fields Avenue, New Orleans, LA 70122
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to New Orleans residents.
New 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.
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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