The average cost of home insurance in Louisiana is about $1,967 a year.

There is no one way to determine how many claims is "too many" when it comes to home insurance. Claims may drive up premiums, however.

It's recommended that you carry 100 percent of your home's total replacement cost value in home insurance. This can be calculated through adding aspects of the home such as value per square footage, roof or permanently attached fixtures.

We recommend you carry no less than 80 percent of your home's total replacement cost value in home insurance.

Around 95 percent of homeowners have home insurance, but around 60 percent don't have enough.

Home insurance is typically paid on an annual or monthly basis.

When you purchase home insurance, you pay for coverage through monthly or annual premiums. In return, you have the option to receive compensation after filing a claim on your home insurance policy. When you file a claim, an underwriter from the insurance company will investigate the claim to calculate hoe much compensation you receive.

There are many reasons you may see an increase in your home insurance premiums. Some reasons have nothing to do with your home itself, but the area around you. A growing population or increase in worth in your area can raise home insurance premiums, as can an increase in environmental threats.

Other factors may include changes to the home such as adding alarm systems, upgrading fixtures, etc. A safer home is generally cheaper to insure.