Homeowners insurance availability in Louisiana
Louisiana ranked second nationally for homeowners non-renewals in 2023 federal data, with coastal parishes among the hardest-to-place markets in the country.
Carrier availability
We track verified changes to who is writing new homeowners business. A carrier listed as steady has no disruption on record and is generally still writing on its normal terms. Every change links a dated primary source.
| Carrier | Status | As of | Notes |
|---|---|---|---|
| Lighthouse Property Insurance | Exited | 2022-04-28 | Liquidated 2022. |
| Americas Insurance | Exited | 2022-01-14 | Liquidated 2022. |
Steady, no change tracked
State Farm · Allstate · USAA · Liberty Mutual · Farmers Insurance · Travelers · American Family · Nationwide · Chubb · Erie Insurance · Auto-Owners · Progressive · Mercury Insurance · CSAA (AAA) · Kin Insurance · Foremost (Farmers)
Tracked activity in Louisiana
Louisiana 60-day cancellation and non-renewal notice law takes effect
Act 182 of the 2025 Regular Session (House Bill 345), signed June 8, 2025 and effective July 1, 2026, requires insurers to give at least 60 days written notice before cancelling or non-renewing most residential property and casualty policies, up from 30 days, and to state the specific reason for the action. Non-payment of premium keeps the existing 10-day notice.
Source: Louisiana State Legislature · verified 2026-07-03
Louisiana suspends insurance cancellations and non-renewals in seven parishes after Tropical Storm Arthur
Insurance Commissioner Tim Temple issued Emergency Rule 50, effective June 18, 2026 and announced July 2, temporarily suspending the statutes governing cancellations, non-renewals, non-reinstatements, premium payment deadlines, and claim-filing timelines for policyholders in Avoyelles, Lafourche, Pointe Coupee, Rapides, St. Landry, St. Tammany, and Terrebonne parishes, following Tropical Storm Arthur (June 17-18, 2026). While the rule is in effect, insurers may not cancel or non-renew affected policies for storm-related reasons. It applies to all lines including homeowners and remains in effect through July 22, 2026 unless the Commissioner terminates it earlier.
Source: Louisiana Department of Insurance, Emergency Rule 50 · verified 2026-07-07
Three insurers newly licensed to write Louisiana homeowners policies in 2026
The Louisiana Department of Insurance market update through April 2026, issued by Commissioner Tim Temple, reported that three companies, Progressive Paloverde, Continental Indemnity Company, and GuardianPointe Insurance Company, were newly licensed to write homeowners insurance in Louisiana between January 1 and April 30, 2026, joining 14 insurers licensed in 2024 and 2025, with four more companies in the application process. The update also noted homeowners insurers filing more rate decreases than in 2021-2024.
Source: Louisiana Department of Insurance market update · verified 2026-07-13
Foremost non-renews a share of previously protected Louisiana policies
After Louisiana repealed its three-year rule restricting non-renewals of long-tenured policyholders, Foremost non-renewed fewer than 5% of its affected book, per Louisiana Department of Insurance records, the only insurer recorded doing so in the first year.
Source: InsuranceNewsNet · verified 2026-07-02
Louisiana funds $45 million insurer incentive program
The Louisiana Legislature allocated $45 million to the Insure Louisiana Incentive Program, offering matching grants that require insurers to write four dollars of premium per grant dollar; about $42 million was awarded to eight insurers in the first round.
Source: Insurance Journal · verified 2026-07-02
Lighthouse Property Insurance ordered into liquidation
A Louisiana court ordered Lighthouse Property Insurance Corporation into liquidation after Hurricane Ida losses; active policies were cancelled effective May 28, 2022, with guaranty associations activated in five states.
Source: Insurance Journal · verified 2026-07-02
Americas Insurance Company placed into receivership
The Louisiana insurance commissioner ordered Americas Insurance Company into receivership after hurricane losses; the company held about 24,000 policies with roughly 13,000 pending Hurricane Ida claims, and was ordered into liquidation in June 2022.
Source: Insurance Journal · verified 2026-07-02
Non-renewed or can’t find coverage?
You have more options than the cancellation letter suggests: deadlines to act, the state’s last-resort program, and carriers that specialize in hard-to-place homes.
The Louisiana non-renewal playbook