Houma Insurance Rates:

Houma, LA home insurance is about $1,091 to $1,487, about $90-$123/month. Our comprehensive guide reveals consumers can save upto $515 by comparing multiple quotes

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Houma Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $880/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1250 sqft Primary Residence Constructed In 1972 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1520/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1950 sqft Rental Property Constructed In 1977 with Carpet Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $280/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Baths 3080 sqft Seasonal Residence Constructed In 2013 with Hardwood Flooring, Membrane Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $810/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 2190 sqft Rental Property Constructed In 2001 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1880/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Bath 3750 sqft Rental Property Constructed In 2012 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $2180/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Baths 3670 sqft Seasonal Residence Constructed In 2011 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Female who is Retired and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1950/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

5 Beds, 5 Baths 3810 sqft Rental Property Constructed In 2014 with Ceramic Tile Flooring, Tile Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1440/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 2180 sqft Seasonal Residence Constructed In 2007 with Carpet Flooring, Tile Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Houma, LA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
70360 $200,200 $1,350
70364 $143,000 $1,290
70363 $103,500 $1,270

Houma Rates & Quotes Analysis:

Houma Area Estimated House Insurance
Willsbrook Dr, Tara St, Billy St, Plum St, Roussell St, Windsong Way, Cheyenne Dr, Common Ct, Dunlap St, Mystic Blvd$1,395
Pecan St, Blacktop Side-B Grande Caillou, Elder St, Cougar Dr, Sunset Ave, Farmers Ct, Fahey St, Birch Ave, Mary Hughes Dr, Hacienda Dr$1,283
North St, Marmande St, Danos Ct, Rio Vista Ave, Acadian Dr, Valhi Blvd, Hill St, Gibb St, Boundary Rd, High St$1,249
Bobtown Bridge Rd, Hebert St, Sleepy Hollow Ct, South St, Brooke St, King St, Belanger St, Henderson St, Baker St, General Lee St$1,281
Zeringer St, Flounder Ct, Aycock St, Amarillo Dr, Goodman Ct, Springfield Dr, John St, Brinwood Dr, Sunshine E, Melrose Ave$1,268
Lake Darby Ct, American Blvd, Civic Center Blvd, S Point Dr, Church Ln, Aubrey Dr, Wolff Pkwy, Lirette St, Waco Ave, State Rte 3087$1,382
Clairmont Ln, Joaquin Dr, Bisland St, S Moss Dr, Tupelo St, State Rte 664, Country Club Dr, Frank St, Seminole Dr, Eustice St$1,375
Grand Villa Ct, Blimp Rd, Parish Rd 10, Calvin St, Ruby Dr, Maxine St, Rome Commercial Pl, Willa Dean, Cordell Rd, Glenhill Dr$1,226
Summerfield Dr, State Rte 661, Victoria Ct, Cypress St, Allen St, Buron St, Eunice St, Gum St, Sayre Rd, Arapaho Dr$1,385
Constance St, Savanne Rd, Lyles St, Arlington Ave, Odette St, One Oak Sq, Buquet St, Mc Kinley St, Hemphill Dr, Joshua Dr$1,336

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,122 Homes (15% of total) built between 1970 to 1979 in Houma are paying home insurance between $2,089-$2,108 compared to Presquille (+$77), Bourg (+$17), Bayou Country Club (+$109), Bayou Blue (-$39) and Gray (-$99).
  • Bedrooms: 6,994 3 bedrooms homes (51% of total homes ) in Houma are paying about $1,147. Areas near to Houma such as Presquille, Bourg, Lafourche Crossing are costlier by $43, $10, $23 respectively whereas Bayou Blue and Gray are more economical by $9, $54 respectively for similar homes.
  • Auto Insurance Bundling: 1,569 Households (18% of all households) in Houma have 3 or more vehicles available and when it is bundled with home insurance you can save $322. Discounts for similar bundling in close by locations such as Bayou Cane, Presquille, Bayou Blue come to $322, $334, $316 respectively.
  • Senior Discounts: 4,109 seniors (more than 55 years) occupied housing units (48% of total) in Houma get discounts between $192 to $194. The comparative concessions in proximate regions such as Bayou Cane, Presquille and Bayou Blue are $193, $200 and $189 respectively.
  • New Homes discounts: New homes such as the 5,935 homes built between 2000 to 2009 in Houma can save $257 and similar new home insurance discounts in nearby towns and cities like Bayou Cane, Presquille and Bayou Blue are $257, $267 and $252 respectively.

Houma Homeowners insurance Facts

  • Houma, LA has 8,453 owner occupied houses which is 68.0% of all units whereas Bayou Cane, Presquille and Bayou Blue have 64.2%, 100.0% and 79.17% respectively.
  • Houma, LA homeowners yearly insurance price at $1,288 is 0.86% of the typical house value of $149,700 which is in contrast with 0.86% in Bayou Cane, 0.63% at Presquille & 1.07% in Bayou Blue.
  • Homeowners in Houma, LA pay 1.91% of their income ($60,000 to $74,999) in insurance whereas homeowners in Bayou Cane, Presquille and Bayou Blue pay 1.91%, 1.98% and 1.87% respectively.
  • Houma, LA’s insurance is 8.6% of monthly housing costs of $1,253/month, for owners with a mortgage compared to 8.9% in Bayou Cane, 8.77% at Presquille & 9.03% in Bayou Blue. But, for households without a mortgage, insurance is 32.1% of costs ($334 in Houma, LA) in contrast with 32.04% in Bayou Cane, 23.39% at Presquille & 43.53% in Bayou Blue.

Houma, LA Home Values & Insurance rates

For example, insurance for 367 Homes (4.0% of total homes ) valued between $80,000 to $89,999 in Houma, LA is about $721. Rates in nearby areas in such as Presquille, Bourg, Lafourche Crossing are cheaper by $187, $46, $46 respectively while Bayou Blue and Raceland are costlier by $189 and $352 respectively for similar homes.

Houma, LA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 721 8.0% $206
$50,000 to $59,999 178 2.0% $450
$60,000 to $69,999 307 3.0% $553
$70,000 to $79,999 281 3.0% $644
$80,000 to $89,999 367 4.0% $721
$90,000 to $99,999 313 3.0% $811
$100,000 to $124,999 1,062 13.0% $940
$125,000 to $149,999 1,010 12.0% $1172
$150,000 to $174,999 963 11.0% $1391
$175,000 to $199,999 730 9.0% $1610
$200,000 to $249,999 1,313 16.0% $1932
$250,000 to $299,999 497 6.0% $2369
$300,000 to $399,999 345 4.0% $3001

Renters Insurance in Houma

  • Average Renters Insurance in Houma :  $199($16/month)

  • Median Gross Rent in Houma :  $732

  • Houma Renters Insurance to Median Rent Ratio:  2.19%

  • Renter occupied housing units in Houma :  3,976

Houma Renters Insurance as a Percentage of Rent

Houma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 111 3.0% $349
$200 to $299 145 4.0% $799
$300 to $499 457 12.0% $1249
$500 to $749 1,155 32.0% $1924
$750 to $999 825 23.0% $2674
$1,000 to $1,499 768 21.0% $3799
$1,500 or more 57 1.0% $5449

Rent Affordability in Houma:

Approximately 44.0% (1,757) of households are spending more than 35% of their income on gross rent in Houma

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 683 17.0%
15.0 to 19.9 percent 428 10.0%
20.0 to 24.9 percent 329 8.0%
25.0 to 29.9 percent 370 9.0%
30.0 to 34.9 percent 409 10.0%
35.0 percent or more 1,757 44.0%

Protective device discount in Houma Up to :  $29

Claims-free discount in Houma Up to :  $39