Jefferson Davis Insurance Rates:

Jefferson Davis, LA homeowners insurance is about $1,051 to $1,425, about $87-$118/month. Our extensive research indicates shoppers can save upto $495 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Affordable Home Insurance Rates in Jefferson Davis, LA

It's a good idea to have home insurance in Jefferson Davis, LA, especially if you live in an area prone to hurricanes or other natural disasters. Home insurance can help you financially if a covered event damages or destroys your home. It can also help you replace personal belongings that are lost or stolen. There are different home insurance policies, so you'll need to choose the right one. You can get a policy that covers the structure of your home or one that covers your belongings. You can also get a combination policy that covers both. Ensure you understand what's covered by your policy and what's not. For example, most policies won't cover damage from floods or earthquakes. You may need to purchase additional coverage for these types of events.

The average price of home insurance in Jefferson Davis, LA, is $1242. There are many variables that affect the price of homeowners insurance in Jefferson Davis, Louisiana. Home insurance companies consider the home's age, deductible, claim history, and policy level, among other criteria. When calculating Jefferson Davis, Louisiana, homeowners insurance premiums, the possibility of crime in your neighbourhood is considered. Continue reading to learn how to use these aspects to get your Jefferson Davis, Louisiana, home insurance premiums down.

Choose a Higher Deductible

A deductible is the sum of money you consent to pay before your insurance provider pays on a claim. As an illustration, if you have a $500 deductible and a covered incident damages your house $5,000, you would pay the first $500, and your insurance company would pay the remaining $4,500. Higher deductibles might lower the price of your home insurance plan. Homeowners in Jefferson Davis, Louisiana, pay premiums of $1227.1 and $1045.02 for deductibles of 500 and 1500, respectively. On the other hand, households with deductibles of 2000 and 2500 pay $948.64 and $891.76, respectively. Therefore, the higher the deductible, the lower the homeowners insurance rates in Jefferson Davis, LA.

Install Security Features

If you're looking to save money on your home insurance in Jefferson Davis, LA, one way to do so is by installing security features. You can deter burglars and other criminals from targeting your home by installing features such as deadbolts, security systems, and outdoor lighting. This, in turn, can lead to lower insurance premiums. While the cost of installing security features can vary, the long-term savings on your home insurance can be significant. Some insurance companies offer up to 20% discounts for homes with security features. So, installing security features is a wise investment if you're looking to save money on your home insurance. Homes in Jefferson Davis, LA, for instance, pay $1130.22 and $1105.38 in insurance premiums for homes with deadbolts and fire extinguishers.

Maintaining a Zero Claims History

One of the easiest strategies to lower your home insurance premiums is to maintain a history of zero claims. Even though Jefferson Davis, Louisiana's house insurance rates are generally affordable, they can go up if you file a claim. If you've filed claims in the past, your insurance provider might consider you a high-risk client and raise your rates. You will be viewed as a low-risk customer and probably pay cheaper rates if you have a clean claims history. In Jefferson Davis, Louisiana, homeowners who have never made a claim have to pay a premium of $1068.12. In Jefferson Davis, Louisiana, homeowners must pay $1304.1 and $1403.46 for one or two claims.

Jefferson Davis, LA Homeowners Insurance By Home Value

Jefferson Davis, LA Home Value Total Homes % of Total Average Jefferson Davis, LA Homeowners Insurance
Less than $50,000 2,198 24.0% $359
$50,000 to $59,999 615 6.0% $755
$60,000 to $69,999 546 6.0% $940
$70,000 to $79,999 626 6.0% $1089
$80,000 to $89,999 1,098 12.0% $1225
$90,000 to $99,999 606 6.0% $1374
$100,000 to $124,999 992 11.0% $1597
$125,000 to $149,999 505 5.0% $1993
$150,000 to $174,999 658 7.0% $2352
$175,000 to $199,999 375 4.0% $2723
$200,000 to $249,999 264 2.0% $3268
$250,000 to $299,999 301 3.0% $3998
$300,000 to $399,999 227 2.0% $5088

Top Home Insurance Agents Near Jefferson Davis, LA

Home Insurance Company Near Jefferson Davis, LA Homeowners Insurance Agency Near Jefferson Davis, LA Address
NA Arthur J. Gallagher Risk Management Services, Inc. 700 W Prien Lake Rd Lake Charles, Lake Charles, LA, 70601
State Farm Iggie Castille 2305 S Union St, Opelousas, LA, 70570
State Farm James Meche 250 W Plaquemine St, Church Point, LA, 70525-2935
State Farm Ray Vaughn 302 N Pine St, Deridder, LA, 70634-3904
State Farm Terry Bertrand 1219 Elton Rd, Jennings, LA, 70546-4135

Jefferson Davis, LA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Jefferson Davis, LA

Streets in Jefferson Davis Area Homeowners Insurance Cost
E Niblett Rd, Clara St, Lacour Dr, Parish Rd 1-26-D-1, McGarry St, L-12, Watkins Rd, State Rte 97, S Simmons St, Lakota St$1,239
Herrington Rd, Powell Rd, E Academy Ave, Pierre St, Harmon Rd, Bass Rd, Allen St, Dugas Rd, Hart St, Suire Rd$1,232
Hundley Rd, Pine Island Hwy, Payton Rd, Rowland St, Lebleu Cemetery Rd, Guillot Dr, Travis Ln, Raymond Hwy, West St, Nelson Rd$1,241
Manuel Rd, P-8-18, Cormier Village Rd, Broadmore Rd, State Rte 382, P-8-28D, Constance Rd, Miller Rd, 5th St, S Joseph St$1,245
Lognion Rd, Parish Rd 628, S Slaughterhouse Rd, Turf Grass Rd, N Market St, Dugas St, W End Rd, Cagle Ln, W Booker St, Busby Rd$1,244
Adams Rd, Peterson St, N State St, US Hwy 165, Edmund Walker Rd, Fox Rd, E Norwood Dr, Freeland Rd, Joes Ln, F E Landry Rd$1,240
Parish Rd 1-380-D, S Adams St, N Polk, W Wood St, Myers Ln, Wilde Rd, E Racca Rd, 4th St, Bobby Hebert Rd, R B Johnson Dr$1,241
Catwaha St, S Lake Arthur Ave, P-6-90A, N Frontage Rd, Jenkins Rd, Derouen Ave, E Gallaugher Rd, N Sherman St, Davis St, Watson St$1,251
S Sarah St, E Academy Ave, Noel Ln, Stanley Rd, Hardy Rd, 5th, Alice St, Farm Supply Rd, Lamb Dr, Sandy Hill Rd$1,237
Lavan Ln, Todd Rd, Cecile St, Fusilier, Ed Lopez Rd, Smith St, Artemond Rd, Clara St, W 1st St, Tv Tower Rd$1,242

Jefferson Davis, LA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Jefferson Davis$185 to $188
Welsh$185
Roanoke$182
Lacassine$187

Jefferson Davis, 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
Welsh town, Louisiana $185 $246 $369
Roanoke CDP, Louisiana $182 $243 $365
Lacassine CDP, Louisiana $187 $249 $374

Jefferson Davis, 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
Jefferson Davis, LA11.4%35.8%
Welsh13.07%35.83%
Roanoke11.51%45.28%
Lacassine11.24%24.19%

Jefferson Davis Renters Insurance as a Percentage of Rent

Jefferson Davis Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 303 13.0% $817
$300 to $499 514 23.0% $1267
$500 to $749 801 36.0% $1942
$750 to $999 481 22.0% $2692
$1,000 to $1,499 69 3.0% $3817

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

Building Coverage Contents coverage Construction type Age of home Company Premium
 $300,000  $150,000 brick veneer 1-year Anpac Louisiana Ins Co $5618
$200,000 $100,000 Frame 10-year Fireman's Fund Ins Co $5059
$200,000 $100,000 brick veneer 10-year Horace Mann Ins Co $2409
$200,000 $100,000 brick veneer 10-year Horace Mann Ins Co $2695
$150,000 $75,000 brick veneer 20-year La Farm Bureau Casualty Ins Co $5822
$200,000 $100,000 brick veneer 10-year Liberty Ins Corporation $2641
$200,000 $100,000 brick veneer 10-year Shelter Mutual Ins Co $8244
$200,000 $100,000 brick veneer 10-year Usaa Casualty Ins Co $1271
$150,000 $75,000 brick veneer 20-year United Fire & Indemnity $3129
$200,000 $100,000 brick veneer 10-year Unitrin Auto & Home Ins Co $2960

Latest Home Insurance Reviews

Progressive
Price. now, don't get me wrong, if you want the best, your going to have to pay for it.
American Family
I like the fact that american family has optional coverages that can be added so that i can tailor my policy to fit my individual needs.
Aaa
One of the things that i did not like about this insurance company is, that their grace period is only 15 days vs 30 days for most other insurance companies.
Nationwide
This company has always met my needs and handled them with no issues. I will continue to use them.
Liberty Mutual
I like that it's a well-known long standing company with a good name. I like that it's affordable and modern with a great website that's easy to use, and I like that my agent is local and I can talk to him and he knows who I am.
State Farm
We have always had personal service from our insurance rep. He has been great every time we have had to meet with him or anyone from his office.
Geico
I really can't say much about what I dislike because I have never had a bad experience with them.
Aaa
It can be a pain to log onto their website. Also, you have to log in with your policy number and not a user or email address. I do not use the mobile app.

How To Make Your Jefferson Davis, LA Home Insurance Cheaper

How Much Does Jefferson Davis, LA Home Insurance Cost?