Louisiana
Home, auto and health coverage notes for people in Louisiana, with the Louisiana Department of Insurance as the regulator.
The insurance posts, sorted by who they are written for.
Acts 2025, No. 182, effective July 1, 2026, extended several official auto and homeowners notice periods to 60 days. Nonpayment of an auto premium remains a 10-day notice. The three-year homeowners lock does not apply to policies issued after August 1, 2024.
Louisiana requires 15/30/25 liability coverage. The official No Pay, No Play statute, as amended in 2025, limits recovery by an uninsured owner or operator to amounts above the first $100,000 of bodily injury and the first $100,000 of property damage.
Louisiana homeowners need a separate flood policy for flood losses. Confirm the official flood zone, read the homeowners and Citizens exclusions, and use FloodSmart.gov for National Flood Insurance Program information.
LDI's Office of Consumer Services handles insurance questions and consumer complaints. The official online form, toll-free number, and Baton Rouge address are published on the department's consumer pages.
Louisiana Citizens operates the FAIR Plan and the Coastal Plan as residual property programs. Official law requires a prior denial, last-resort disclosure, and rates that are not competitive with the voluntary market.
Louisiana UM coverage defaults to the policy's bodily injury limits unless a named insured completes the official selection form. Economic-only coverage and a limited UM property-damage option are also described in the statute.
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