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 |
|---|---|---|---|
| United Property & Casualty | Exited | 2023-02-27 | Liquidated 2023. |
| Lighthouse Property Insurance | Exited | 2022-04-28 | Liquidated 2022. |
| Americas Insurance | Exited | 2022-01-14 | Liquidated 2022. |
| Louisiana Farm Bureau | Writing | 2025-10-02 | Regional Louisiana writer. |
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) · SureChoice Underwriters Reciprocal Exchange
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 press release, July 2, 2026 · 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
Louisiana requires insurers to notify the Commissioner before pausing or ceasing writing in a region
Act 429 of the 2025 Regular Session (Senate Bill 137, Senator Talbot) enacts R.S. 22:1276 and took effect January 1, 2026. An insurer authorized to write automobile or property insurance in Louisiana must give the Commissioner written notice within ten days of telling its agents or representatives of any decision to cease, pause, or resume writing new policies in any geographic region of the state. The notice must state the effective date, the lines affected, the specific geographic area and a brief description of the reasons. The Act defines cease, pause and resume as any action materially affecting the insurer’s availability of coverage offerings in that region, and expressly excludes a temporary cessation ahead of a possible impending natural disaster. IMPORTANT LIMIT ON THIS AS A PUBLIC SIGNAL: subsection C makes the notices confidential and proprietary and exempt from the Public Records Law, so the filings themselves are not obtainable and this site records the mechanism, not its contents. Signed by the Governor June 20, 2025 per the legislative record; the Governor’s office held a bill signing event on June 30, 2025. Legislation, so it sets no carrier status.
Source: Louisiana State Legislature, Act 429 (SB 137) · verified 2026-09-07
State Farm approved for a 9.7% average Louisiana homeowners rate increase
Commissioner Temple approved a 9.7% average rate increase for State Farm covering more than 300,000 Louisiana homeowners policyholders, in effect immediately for new business and from December 15, 2025 for renewals. State Farm is the largest homeowners insurer in Louisiana at roughly 20% of the market. State Farm attributed the increase primarily to its hurricane modeling projecting higher future Louisiana losses, along with increased non-catastrophe loss experience. The same release approved a separate 5.9% personal auto decrease, which is outside this tracker.
Source: Louisiana Department of Insurance press release, December 11, 2025 · verified 2026-07-20
SureChoice and Elevate approved for a 7.5% average Louisiana homeowners rate decrease
Commissioner Temple approved a 7.5% average rate decrease for SureChoice Underwriters Reciprocal Exchange and Elevate Reciprocal Exchange, covering more than 73,000 homeowners policyholders and more than 17,000 dwelling policyholders, effective February 16, 2026. SURE is the second largest homeowners insurer in Louisiana at roughly 8% of the market. The companies attributed the decrease primarily to lower reinsurance costs.
Source: Louisiana Department of Insurance press release, December 10, 2025 · verified 2026-07-20
Louisiana Citizens transfers 1,839 policies in depopulation round 22 as takeout volume falls
Louisiana Citizens completed its twenty second round of depopulation effective December 1, 2025, transferring 1,839 policies and approximately $611.8 million of exposure to the private insurance market. The corporation reported that takeout premium payable fell to $3.6 million in 2025 from $29.4 million in 2024, attributing the $25.8 million decrease to the 2025 rounds containing a much lower number of policies than the 2024 rounds. Depopulation is the mechanism by which private carriers reabsorb residual-market policies, so a smaller round means less private appetite, not more.
Source: Louisiana Citizens 2025 Management Discussion and Analysis · verified 2026-07-20
Louisiana Farm Bureau begins writing more homeowners wind and hail coverage statewide
Louisiana Farm Bureau Mutual Insurance Company notified the Louisiana Department of Insurance that it had begun writing more wind and hail coverage for homeowners across the state, citing recent changes to the three-year rule as giving it confidence it could write more Louisiana homeowners policies while still managing its book. Announced by Commissioner Temple on October 2, 2025 alongside a separate Farm Bureau auto rate decrease.
Source: Louisiana Department of Insurance press release, October 2, 2025 · verified 2026-07-20
Louisiana Citizens transfers 2,334 policies to private insurers in depopulation round 21
Louisiana Citizens Property Insurance Corporation completed its twenty first round of depopulation effective April 1, 2025, transferring 2,334 policies and approximately $943.6 million of exposure to the private insurance market, per the corporation Management Discussion and Analysis filed with its 2025 annual statement.
Source: Louisiana Citizens 2025 Management Discussion and Analysis · verified 2026-07-20
Louisiana licenses 10 new homeowners insurers since the 2024 legislative session
The Louisiana Department of Insurance reported on March 10, 2025 that it had licensed 10 new homeowners insurers since the 2024 legislative session began, and that insurers already writing in the state were filing fewer and smaller rate increases with some rate decreases. Commissioner Temple attributed the shift to the 2024 property insurance reform package.
Source: Louisiana Department of Insurance press release, March 10, 2025 · verified 2026-07-20
Louisiana Citizens votes to end its 1.36% statewide assessment more than a year early
The Louisiana Citizens board voted on January 9, 2025 to end in April 2025 the 1.36% assessment it levies on all residential and commercial property insurance policies in the state, more than a year ahead of its scheduled June 2026 end. The assessment paid off bonds for Hurricane Katrina and Rita claims debt. A temporary waiver of the Citizens 10% surcharge also took effect January 1, 2025.
Source: Louisiana Department of Insurance press release, January 9, 2025 · verified 2026-07-20
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 issues Directive 222 after most approved Citizens take-out offers went unauthorized
Commissioner Donelon issued Directive 222 requiring insurance agents to notify Louisiana Citizens policyholders when they receive an offer to move to a significantly less expensive private insurer. The LDI reported that SafePoint had identified more than 19,600 Citizens policies approved for take-out in the depopulation round then running, but that fewer than 8,000 had been authorized by agents. Donelon also mailed notices directly to affected policyholders. The authorization deadline for that round was September 22, 2023.
Source: Louisiana Department of Insurance press release, September 11, 2023 · verified 2026-07-20
Nine insurers apply for $62 million under the Insure Louisiana Incentive Program
Nine companies applied to the Insure Louisiana Incentive Program in the window that closed March 10, 2023, collectively requesting more than $62 million against the $45 million allocated. The applicants and requests were Allied Trust ($6.5M), Applied Underwriters ($10M), Cajun Underwriters Reciprocal Exchange ($5M), Constitution Insurance ($10M), Elevate Reciprocal Exchange ($5M), Gulf States Insurance ($3.6M), SafePoint Insurance ($10M), SafePort Insurance ($2M), and SureChoice Underwriters Reciprocal Exchange ($10M). The program paid grants to insurers that agreed to write new Louisiana property business.
Source: Louisiana Department of Insurance press release, March 14, 2023 · verified 2026-07-20
United Property & Casualty liquidated, cancelling about 30,000 Louisiana homeowners policies
United Property & Casualty Insurance Company declared insolvency in Florida after its estimated Hurricane Ian losses rose to $1.5 billion, more than $500 million above its prior projection. UPC held over 200,000 policies nationally including about 30,000 in Louisiana, and had planned to non-renew all of them in a solvent runoff. Florida regulators and courts placed UPC into liquidation on February 27, 2023, and its Louisiana policies were cancelled effective March 29, 2023. Former policyholders had until April 28, 2023 to bind private coverage or a Louisiana Citizens policy backdated to cancellation.
Source: Louisiana Department of Insurance press release, February 23, 2023 · verified 2026-07-20
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
Louisiana Insurance Commissioner Jim Donelon placed Lighthouse Property Insurance Corporation into receivership in the 19th Judicial District Court on April 5, 2022; the Louisiana Department of Insurance reported about 30,000 policies and 16,000 Ida-related claims. On April 28, 2022 the court entered an Order of Liquidation with a Finding of Insolvency and appointed the Commissioner as Liquidator. The order cancels policies issued in Texas, Florida, South Carolina and North Carolina on the earlier of 30 days after entry (May 28, 2022), the policy’s expiration, or replacement, and authorizes the Liquidator to coordinate with the guaranty associations of those four states and Louisiana.
Source: 19th Judicial District Court, Order of Liquidation, April 28, 2022 (posted by the court-appointed receiver) · verified 2026-07-02
Americas Insurance Company placed into receivership
Louisiana Insurance Commissioner Jim Donelon placed Americas Insurance Company into receivership in the 19th Judicial District Court on January 14, 2022; the court order placed the company in rehabilitation under the Commissioner, with Billy Bostick as receiver. The Louisiana Department of Insurance described the company as financially troubled, with approximately 24,000 policies and 13,000 Ida-related claims, and called the step an important move toward the Louisiana Insurance Guaranty Association taking over claim payments. The court entered an Order of Liquidation and Finding of Insolvency on June 23, 2022.
Source: Louisiana Department of Insurance press release, January 20, 2022 (archived copy) · 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