St. Rose Insurance Rates:

St. Rose, LA home insurance is approximately $1,092 to $1,491, about $91-$124/month. Our comprehensive analysis shows customers can save as much as $516 by getting many quotes

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St. Rose Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $620/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2680 sqft Primary Residence Constructed In 1983 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1330/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Bath 2300 sqft Vacation Property Constructed In 1972 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2420/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Bath 2300 sqft Vacation Property Constructed In 2012 with Stone Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $880/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Bath 1810 sqft Primary Residence Constructed In 1997 with Linoleum, Membrane Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $610/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Baths 1250 sqft Rental Property Constructed In 2014 with Hardwood Flooring, Membrane Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $480/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Bath 2000 sqft Rental Property Constructed In 1990 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1080/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 3120 sqft Rental Property Constructed In 2012 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single Female who is Retired and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2150/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Baths 3030 sqft Seasonal Residence Constructed In 1999 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $90/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Bath 1290 sqft Primary Residence Constructed In 1971 with Stone Flooring, Composition Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $250/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 1740 sqft Vacation Property Constructed In 1985 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

St. Rose Rates & Quotes Analysis:

St. Rose Area Estimated House Insurance
Kennedy St, Jean St, Cactus Ln, Pitre St, Lily St, Riverwood Dr, Gordon St, Airline Hwy, Noto St, Turtle Creek Ln$1,249
Ponderosa Rd, James Dr W, Corral Ln, Lentini Ln, US Hwy 61, E Pinoak Dr, Oak St, Preston Hollow Rd, Barry St, Club Dr$1,291
E Campus Dr, Maple Ln, River Birch Ln, Fourth St, Opal Ln, Gene Dr, Peter Ln, Saint Rose Ave, Lasso Ln, Canyon Ln$1,291
Jonathan St, Modoc St, Kenny St, Crespo Ave, Dianne Pl, W Club Dr, Chuckwagon Ln, Almedia Rd, Landry Ln, Dell St$1,293
Bridle Path Ln, Janet Dr, Johnson St, Azalea Ln, Dianne Dr, E Club Dr, Teal St, Pinto Ln, Summerton Dr, S Pinoak Dr$1,295

Insurance rates are influenced by a number of factors including:

  • Year Built: 998 Homes (32% of total) built between 1980 to 1989 in St. Rose are paying home insurance between $1,928-$1,947 compared to Destrehan (+$88), Kenner (+$33), St. Charles (+$31), New Sarpy (-$51) and Waggaman (-$31).
  • Bedrooms: 561 2 bedrooms homes (18% of total homes ) in St. Rose are paying about $905 compared to Destrehan (+$41), Kenner (+$15), Luling (+$21), New Sarpy (-$11) and Waggaman (-$15).
  • Auto Insurance Bundling: 517 Households (22% of all households) in St. Rose have 3 or more vehicles available and when it is bundled with home insurance you can save $323. Discounts for similar bundling in close by locations such as Ama, Destrehan, New Sarpy come to $322, $337, $314 respectively.
  • Senior Discounts: 938 seniors (more than 55 years) occupied housing units (41% of total) in St. Rose get discounts between $192 to $194 and varies from Ama ($193), Destrehan ($202), New Sarpy ($188).
  • New Homes discounts: New homes such as the 862 homes built between 2000 to 2009 in St. Rose can save $258 and similar new home insurance discounts in nearby towns and cities like Ama, Destrehan and New Sarpy are $258, $270 and $251 respectively.

St. Rose Homeowners insurance Facts

  • St. Rose, LA has 2,287 owner occupied houses which is 78.8% of all units whereas Ama, Destrehan and New Sarpy have 90.54%, 85.37% and 84.82% respectively.
  • St. Rose, LA homeowners yearly insurance price at $1,292 is 0.84% of the typical house value of $153,800 which is in contrast with 0.86% in Ama, 0.59% at Destrehan & 1.14% in New Sarpy.
  • Homeowners in St. Rose, LA pay 2.35% of their income ($50,000 to $59,999) in insurance whereas homeowners in Ama, Destrehan and New Sarpy pay 2.35%, 2.46% and 2.29% respectively.
  • St. Rose, LA’s insurance is 7.6% of monthly housing costs of $1,418/month, for owners with a mortgage compared to 9.07% in Ama, 6.69% at Destrehan & 9.66% in New Sarpy. But, for households without a mortgage, insurance is 31.5% of costs ($342 in St. Rose, LA) in contrast with 37.46% in Ama, 23.5% at Destrehan & 34.04% in New Sarpy.

St. Rose, LA Home Values & Insurance rates

For example, insurance for 111 Homes (5.0% of total homes ) valued between $70,000 to $79,999 in St. Rose, LA is about $620. Rates in nearby areas in such as Kenner, St. Charles, Luling are cheaper by $82, $82, $118 respectively while New Sarpy and Waggaman are costlier by $222 and $117 respectively for similar homes.

St. Rose, LA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 358 16.0% $206
$70,000 to $79,999 111 5.0% $620
$80,000 to $89,999 52 2.0% $710
$90,000 to $99,999 73 3.0% $788
$100,000 to $124,999 264 11.0% $917
$125,000 to $149,999 205 9.0% $1149
$150,000 to $174,999 442 19.0% $1356
$175,000 to $199,999 140 6.0% $1563
$200,000 to $249,999 147 6.0% $1886
$250,000 to $299,999 164 7.0% $2312
$300,000 to $399,999 244 11.0% $2932

Renters Insurance in St. Rose

  • Average Renters Insurance in St. Rose :  $194($16/month)

  • Median Gross Rent in St. Rose :  $768

  • St. Rose Renters Insurance to Median Rent Ratio:  2.08%

  • Renter occupied housing units in St. Rose :  617

St. Rose Renters Insurance as a Percentage of Rent

St. Rose Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 226 39.0% $1923
$750 to $999 286 49.0% $2673
$1,000 to $1,499 49 8.0% $3798
$1,500 or more 11 1.0% $5448

Rent Affordability in St. Rose:

Approximately 69.0% (429) of households are spending more than 35% of their income on gross rent in St. Rose

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 56 9.0%
15.0 to 19.9 percent 9 1.0%
20.0 to 24.9 percent 68 11.0%
25.0 to 29.9 percent 25 4.0%
30.0 to 34.9 percent 30 4.0%
35.0 percent or more 429 69.0%

St. Rose Renters Insurance Discounts:

St. Rose Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in St. Rose, LA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 301 48.0% $19.4
2 vehicles available 171 27.0% $29.1
3 or more vehicles available 44 7.0% $38.8

Protective device discount in St. Rose Up to :  $29

Claims-free discount in St. Rose Up to :  $38