We are licensed in Louisiana and we are located in the Greater New Orleans area. 

We do focus on Southern Louisiana Coastal regions.

Parishes include 

  • Jefferson Parish
  • St. Bernard Parish
  • Orleans Parish 
  • St. Tammany Parish



KENNER 70065 475,000 $5,258 $4,167 -$1,091
KENNER 70065 966,500 $8,256 $5,772 -$2,484
MARRERO 70072 320,000 $3,476 $2,661 -$815
GRETNA 70056 307,800 $6,038 $3,116 -$2,922
GRETNA 70056 600,000 $9,942 $5,348 -$4,594
LAKEVIEW 70124 414,000 $8,509 $3,748 -$4,761
METAIRIE 70003 238,000 $3,685 $2,772 -$913

*Actual rates will differ due to, but not limited to, underwriting factors such as credit worthiness, construction year built, hip or gable roof, square feet, claims history, updates to electrical, plumbing, heating a/c and year of roof, companion policy discounts, auto discount, flood discount, umbrella discount, mature homeowner etc


Louisiana Homeowners Insurance rates are rising and you need to know who is writing new home insurance policies.

Unfortunately not all homeowners insurance companies may be writing new policies in your area but below is a list to help you with your search for new home insurance.

I wanted to list most of the companies that I know of writing new homeowners insurance policies in South Louisiana.

mold coverage

FM Agency Group does not represent all of the companies listed below, but we wanted to provide this information to everyone because we know residents in South Louisiana pay some of the highest homeowners insurance premiums in the country.

The list of Home Insurance Companies does not indicate each company will offer you a quote proposal on your house.

Underwriting guidelines are different for each company and are subject to change. Multiple rating factors and location of your property will determine acceptability. 

2016 List of Home Insurance Companies

Admitted Companies 

Access Home Insurance Company

Formed in 2011 with their main office in Baton Rouge, La.


Corporate headquarters is located in New Orleans, LA and their staff are based in-state.

ASI Lloyds

Based in St. Petersburg, Florida, they began writing Louisiana home policies through independent agents in 2008.

Bankers Specialty

Founded in 1976,  Bankers Insurance Group has grown from a small local company to a diverse corporation.

Capitol Preferred

Started in 1988 and provides homeowners and rental dwelling insurance in Florida, South Carolina and Louisiana.

Centauri Specialty

Centauri, an admitted carrier,  has a proven track record, transforming a niche, single-state carrier into a super-regional company writing multiple lines.

Citizens Fair Plan

State Insurance Plan designed for properties that may not fit into the underwriting guidelines of the companies listed here.

Family Security

Family Security Insurance Company is a new multi-line personal lines insurance company domiciled in Hawaii, with initial state operations in Hawaii and Louisiana.  Family Security was purchased by UPC.

Federated National

Located in Sunrise, Florida.  They are writing new policies in Louisiana through independent agents.


Gulfstream Property and Casualty Insurance Company specializes in insuring homes and families throughout the Gulf Coast.

Imperial Fire and Casualty

Imperial Fire & Casualty is headquartered in Opelousas, Louisiana and is a leading provider of insurance products including personal auto, commercial auto, personal property and flood policies.  Imperial Fire and Casualty was purchased by National General Insurance company.


An admitted property and casualty insurance company based in Orlando, FL.


Maison Insurance Company is an admitted property and casualty insurance company based in Louisiana. They provide H03 (homeowner) , DP3 (dwelling) , Flood Coverage, and Mobile Home policies. 

National General Insurance

Formed in the 1920’s from two insurance companies, they have become a national writer of auto, homeowners, rv and flood insurance.  The one company now that can write auto, home and flood together.

Occidental Fire and Casualty

Occidental Fire & Casualty Insurance Company of North Carolina has provided unique and specialty insurance coverage in the United States since 1962.

Safepoint Insurance

New entry into Louisiana from Florida.  Writing homeowners, rental dwellings, Condo and HO-4 Contents policies

Southern Fidelity

Founded in 2004, SFIC specializes in personal property and casualty insurance products.


Specializing in coastal states since 1999. New entry into Louisiana this year.

The Louisiana department of Insurance issued a homeowners rate shop guide of the majority of companies in Louisiana.  Not all of the companies listed may be writing new policies in your area.

Surplus Lines Insurance Companies


Geovera Specialty

GeoVera Specialty is a wholly owned subsidiary of GeoVera Holdings, Inc., a market leader in the insurance field. They offer superior products in areas where coverage may not be available in the admitted market.

Northlight Specialty Insurance Company

North Light Specialty Insurance Company provides specialized, consumer-focused insurance products and services designed to help protect individuals as well as families.


Scottsdale Insurance Company benefits from the backing of one of the largest insurance and financial service providers in the United States


Lexington Insurance Company, an AIG Company, is the leading U.S.-based surplus lines insurer.  An industry leader in property, casualty, specialty coverage, and program insurance.

Lloyds of London

Lloyd’s is the world’s specialist insurance market providing insurance services in over 200 countries and territories

High Value Homes starting at 1,000,000

Ace Platinum Portfolio

With just one policy, ACE can provide superior coverage for your home, vacation property, autos, jewelry and valuable collections, watercraft and personal liability.

AIG Private Client

In some areas the home value must be at least 1,500,000.   The home insurance policy must accompany two other lines of business such as Auto, Boat, Jewelry, Umbrella and Excess Liability.

Chubb Insurance Company

Can write a stand alone Homeowners Policy in select areas.  Chubb has over 30 years experience specializing in the affluent market.  They are also to write the Auto, Home, Watercraft, Umbrella and Valuable Articles.

Fireman’s Fund

For High Net Worth and affluent customers, they offer customized and innovative products with creative, flexible underwriting solutions for unique and complete risks.


Privilege Underwriters Reciprocal Exchange is a member-owned offering exceptional coverage and savings to responsible owners of well built homes including high value homeowners,


FM Agency Group represents more than a few preferred home insurance companies writing new policies in Louisiana click here to get started.

The Louisiana Department of Insurance listed insurance companies writing in Louisiana on their homeowners shopping guide.  Here is a premium example from the shopping guide.

This is for a house in New Orleans that is 10 years old, brick veneer construction, 1800 square feet.  The dwelling value is for 200,000. This guide was printed a few years ago so rates change and most of the companies listed below probably no longer write new policies in New Orleans but it gives you a premium range.  If you want to take a look at the guide, click here for homeowners insurance buying guide.


Homeowners Policy Coverage Explained


Dwelling Structure Coverage A

The amount it would cost you to rebuild your house if it were to be destroyed. 

You should insure your house for 100% replacement cost.

Replacement Cost is the cost it will take for a contractor to rebuild your house.

It is not the appraised value and it is does not include the value of land.


Other Structures Coverage B

Unattached structures on your property including your fence, shed or detached garage.


Your Personal Property or Contents Coverage C

The amount or value of the property you moved inside the house. 

Clothes, furniture, electronics, personal items.  

Take a quick look around your house and determine if you had to replace everything inside, how much do you need?  $50,000?  $75,000?


Liability Coverage D

Too often we see 100,000 of liability coverage.  It only costs up to $25 annual to get $300,000.

This is the coverage that defends you against any claim in which you are legally liable to another party for property damage or bodily injury.

By selecting the $300,000 limit of liability, you qualify for an umbrella policy.


Additional Living Expenses or Loss of Use Coverage E

As a result of a claim, you can no longer live in your house and have to move to another location. Could be a hotel stay or due to the severity of the claim, rent a house.


Medical Payments to Others Coverage F

This is a limit payable to someone other than you or your resident family members for reimbursement of medical expenses.

You should have least have $5,000 since the difference between $1000 and $5000 might be $10.


At FM Agency Group we have licensed professional insurance advisors that will help you make the right decision with the right company for you.

We want you get the coverage you need for the value you want.

We want you to get claims paid.

We work with you after the policy is sold.

Here are just some of the coverage options we will discuss with you.

We create customized affordable Louisiana homeowners insurance options for you.

By finding a more competitive homeowners insurance premium

You will

  • Lower your premium
  • Lower your deductible
  • Lower your mortgage

If you have an insurance problem,

We can help.

Louisiana Homeowners Insurance is what we do.

Many people like you are lowering their insurance premiums.

Discover why your neighbors pay less than you for homeowners insurance.

When you contact us we will

  • conduct a homeowners needs analysis
  • customize the proposal based on your feedback
  • generate a package proposal protection plan for you
  • answer any questions you may have so you understand

If we can help you, great, if not, you can rest knowing you are still getting the most competitive rate in our area. 



We offer Homeowners Insurance quote proposals from multiple insurance companies.

We are committed to offering our clients the top rated products from companies that want to write your homeowners insurance.

We not only sell homeowners insurance, but we service the policy too.



Call us at 504.348.3131

click here to complete our quick contact form

click here to complete our homeowners quote form

click here to generate an automated email from you.

Are you ready to discover why your neighbors pay less than you for the same coverage?

We may not be able to help you but it costs you nothing to find out. Let’s get on a quick phone call so we can analyze your coverage and offer you something that is a better fit for you.