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.
| Home Insurance Company Near Houma, LA | Homeowners Insurance Agency Near Houma, LA | Address |
|---|---|---|
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Houma, LA | 8.6% | 32.1% |
| Bayou Cane | 8.9% | 32.04% |
| Presquille | 8.77% | 23.39% |
| Bayou Blue | 9.03% | 43.53% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Houma | $192 to $194 |
| Bayou Cane | $193 |
| Presquille | $200 |
| Bayou Blue | $189 |
| 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | State Farm | Farmers Insurance | GEICO Insurance |
| Monthly Premium | 317 | 235 | 538 |
| Year Built | 1987 | 2013 | 2002 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $200000-$250000 | $300000-$350000 | $400000-$500000 |
| Deductible | $1000-$2500 Deductible | > $10,000 Deductible | $2500-$5000 Deductible |