Houma Insurance Rates:

Houma, LA homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

American Family
American family insurance has been good with answers to my questions and concerns for the last year that i've used them. they were also the cheapest with the best coverage when bundling my home, car and pet insurance.
Allstate
They take to time to accurately get the details correct and even send a person out for a claim to inspect the needed areas.
American Family
What i like is that they do a good job of telling you what will be covered and the best way to go about when needed to report a claim.

Houma, LA Homeowners Insurance By Home Value

Houma, LA Home Value Total Homes % of Total Average Houma, LA 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

Top Home Insurance Agents Near Houma, LA

Home Insurance Company Near Houma, LA Homeowners Insurance Agency Near Houma, LA Address
NA Bubrig Insurance Agency, Ltd. 8748 Hwy 23 , Belle Chasse, LA, 70037
Allstate Alex Bellow 1801 Stumpf Blvd Ste 2B, Terrytown, LA, 70056
State Farm Bart Dornier 3008 20th St Ste E, Metairie, LA, 70002-4900
Travelers Hub International Gulf South Limited 3510 N CAUSEWAY BLVD STE 200, METAIRIE, LA, 70002
Allstate Steve Waters 2701 Manhattan Blvd Ste A-6, Harvey, LA, 70058

Cost Of Homeowners Insurance By Street Near Houma, LA

Streets in Houma Area Homeowners Insurance Cost
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

Houma, LA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Houma$192 to $194
Bayou Cane$193
Presquille$200
Bayou Blue$189

Houma, LA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Bayou Cane CDP, Louisiana $161 $215 $322
Presquille CDP, Louisiana $167 $223 $334
Bayou Blue CDP, Louisiana $158 $211 $316

Houma, LA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Houma, LA8.6%32.1%
Bayou Cane8.9%32.04%
Presquille8.77%23.39%
Bayou Blue9.03%43.53%

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

Average Cost Of Home Insurance By Company In Areas Nearby Houma For Different Scenarios

Building Coverage Contents coverage Construction type Age of home Company Premium
$200,000 $100,000 brick veneer 10-year Ace Ins Co Of The Midwest $4442
$100,000 $50,000 brick veneer 25-year American Risk Ins Co $3557
$200,000 $100,000 brick veneer 10-year Amica Mutual Ins Co $2678
$150,000 $75,000 brick veneer 20-year Encompass Property And Casualty Co $3752
$200,000 $100,000 brick veneer 10-year Hartford Casualty Ins Co $2032
$200,000 $100,000 brick veneer 10-year Hartford Casualty Ins Co $3725
$200,000 $100,000 brick veneer 10-year Liberty Ins Corporation $2630
$200,000 $100,000 brick veneer 10-year Lighthouse Property Ins Corp (Beacon) $2138
$400,000 $200,000 brick veneer 1-year Shelter Mutual Ins Co $5296
$200,000 $100,000 brick veneer 10-year Spinnaker Ins Co $2217

Houma, LA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$5,700
Yearly Houma Homeowner Insurance Premium Example $2,000$1,200
Out of Pocket Expense During Claim$1,700$5,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $13,700$12,900
Net Savings to Houma Home Owner from High Deductible Plan $800

Houma, LA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Houma, LA Home Replacement Value MORE than Home Value Houma, LA Home Replacement Value LESS than Home Value
Replacement Value $226,500 $142,000
Insurance Premium based on Replacement Value $3,650 $2,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $55,000 Risk Exposure from Under Insuring Coverage is $29,500
Premium Impact Insurance cheaper by $475/year Insurance costlier by $900/year

Example Houma Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmFarmers InsuranceGEICO Insurance
Monthly Premium 317235538
Year Built 198720132002
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$300000-$350000$400000-$500000
Deductible $1000-$2500 Deductible> $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Houma, LA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1985 275,000 Shingles Roof 3,360 4 $500- $1000 Deductible 3230 8 Vinyl siding No
2012 175,000 Asphalt Shingles Roof 2,170 3 $1000-$2500 Deductible 3150 10 Fiber-Cement Siding No
1962 195,000 Composition Roof 2,260 5 $1000-$2500 Deductible 2150 7 Brick siding No
1975 280,000 Tile Roof 3,350 5 > $10,000 Deductible 2280 12 Vinyl siding yes
1982 165,000 Slate Shingles Roof 2,090 4 $500 Deductible 1170 4 Stone Siding yes
1970 385,000 Wood Shake Roof 3,950 5 $2500-$5000 Deductible 980 2 Brick siding yes
1965 140,000 Shingles Roof 1,680 3 $1000-$2500 Deductible 800 7 Wood siding No
1960 145,000 Tile Roof 1,380 3 $1000-$2500 Deductible 760 5 Wood siding No
1972 105,000 Slate Shingles Roof 1,250 3 $1000-$2500 Deductible 880 7 Vinyl siding yes
1977 165,000 Shingles Roof 1,950 3 $500 Deductible 1520 6 Fiber-Cement Siding No
2013 310,000 Membrane Roof 3,080 4 $5000 to $10,000 Deductible 280 1 Stone Siding No
2001 205,000 Composition Roof 2,190 3 $1000-$2500 Deductible 810 5 Fiber-Cement Siding No
2012 300,000 Metal Roof 3,750 5 $500- $1000 Deductible 1880 5 Vinyl siding yes
2011 270,000 Asphalt Shingles Roof 3,670 5 $2500-$5000 Deductible 2180 8 Brick siding No
2014 315,000 Tile Roof 3,810 5 > $10,000 Deductible 1950 10 Wood siding No
2007 165,000 Tile Roof 2,180 3 $5000 to $10,000 Deductible 1440 9 Vinyl siding No