Homeowners Insurance in New Orleans, LA

Protection for every neighborhood.

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Strong Coverage for NOLA Homes

Plans designed for real risks.

Owning a home in New Orleans means embracing a vibrant culture—and protecting against serious risks. From hurricanes to flooding to historic property upkeep, local homeowners need insurance that truly fits. At Direct Source Insurance, we help residents across the city—whether Uptown, Lakeview, Gentilly, or beyond—find homeowners insurance that balances strong coverage and affordable rates. Our team understands New Orleans’ unique challenges and makes the process straightforward and personal.

What Your Policy Can Include

Full protection for your home life.

Dwelling Protection

Covers repair or rebuilding costs after damage from fire, windstorms, or other covered events.

Personal Property Insurance

Reimburses you for lost or damaged belongings like furniture, electronics, and clothing.

Liability Coverage

Protects you if someone is injured on your property or if you’re legally responsible for damages.

Loss of Use Coverage

Pays for temporary living expenses if your home becomes uninhabitable due to covered damage.

Optional Coverage Upgrades

Add enhanced protection for jewelry, fine art, home systems, and more—customized to your lifestyle.

Why Homeowners in NOLA Need It

Real protection for real threats.

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Frequent Storms and Flooding

New Orleans faces hurricanes, heavy rain, and flood risks that make insurance essential.

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Mortgage Requirements

Lenders require homeowners insurance—and often recommend or require flood insurance as well.

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Protect Your Investment

Your home is likely your biggest financial asset—coverage ensures it’s protected against sudden losses.

New Orleans Homeowners Insurance FAQs

Trusted answers for NOLA residents.

  • How much does homeowners insurance cost in New Orleans, LA?

    Homeowners in New Orleans typically pay between $2,000 and $3,500 annually for insurance, depending on home size, location, and upgrades. Properties near the river or in lower-lying areas may see higher premiums. We work with multiple carriers to find you the most competitive and complete coverage.

  • Do I need separate flood insurance in New Orleans?

    Yes. Standard homeowners insurance does not cover flood damage, and most areas in New Orleans are considered at moderate to high risk for flooding. We’ll guide you through flood insurance options to complete your protection.

  • Can I get coverage for historic homes?

    Absolutely. We specialize in finding insurance for historic and older homes throughout New Orleans. These properties sometimes need special considerations, but our team knows how to ensure they’re properly protected without overpaying.

  • What can affect my insurance rates in New Orleans?

    Factors like your home’s age, elevation, proximity to water, roof type, and even neighborhood can affect your premium. We’ll review every detail and show you ways to potentially lower your costs without sacrificing essential coverage.

  • Can I bundle my home and auto insurance?

    Yes. Bundling home and auto insurance often unlocks meaningful savings and simplifies your policies. We’ll help you find the best bundle options available from top-rated carriers.