Lafayette Insurance Rates:

Lafayette, LA homeowners insurance is nearly $1,101 to $1,493, about $91-$124/month. Our complete analysis reveals consumers can save upto $518 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
We have a personal relationship with our local insurance salesman and claim agent, which feels reassuring. it's pleasanter to say "call tony" than "call the insurance".
National General
I am nervous because the reviews for them are not great but so far my interactions have been just fine.
State Farm
I like my insurance company because my agent is easy to contact. she is always available. when she is not at her desk, there is a knowledgeable replacement.
State Farm
They are usually very busy, but when I needed help one day, they were very prompt in getting service to me. I was very impressed.
Liberty Mutual
One thing I like about my insurance company is that they process claims quickly and within a reasonable time frame.
When I first signed up for it, somebody screwed something and they didn't "receive" my payments and sent me a letter saying that they were dropping me, I had to call twice to get it sorted out.
I love their pricing. In my opinion, they cannot be beaten. They have by far the best prices and it gets even better if you bundle.
I do not have anything bad to say about AAA homeowners insurance. There isn't anything to dislike as I have not had to deal with claims or anything like that with them.
The website was unusable and I am very disappointed in that regard. It should not be so difficult to download a document off the internet.
I wish the premiums were a little more reasonable. I also wish I got a little more of a discount than I do for bundling
Overall, I like that the company is super helpful, responsive, and prioritizes my needs for their efficiency. They always put the customer first.
As with anything, I'm sure most people would prefer to pay less. I don't necessarily like that the home insurance portion is higher than other companies I checked, but I rationalize staying with Allstate based on the money saved with auto insurance added in.
The annual premium is pretty high compared to others
The only thing I don't like is their phone app, but this aspect is minimal compared to all the company's other amazing features.

Lafayette, LA Homeowners Insurance By Home Value

Lafayette, LA Home Value Total Homes % of Total Average Lafayette, LA Homeowners Insurance
Less than $50,000 7,199 13.0% $194
$50,000 to $59,999 1,551 2.0% $414
$60,000 to $69,999 1,355 2.0% $518
$70,000 to $79,999 1,599 3.0% $609
$80,000 to $89,999 1,725 3.0% $686
$90,000 to $99,999 1,700 3.0% $764
$100,000 to $124,999 3,932 7.0% $881
$125,000 to $149,999 6,033 11.0% $1114
$150,000 to $174,999 6,992 13.0% $1308
$175,000 to $199,999 5,357 10.0% $1516
$200,000 to $249,999 6,136 11.0% $1827
$250,000 to $299,999 4,286 8.0% $2229
$300,000 to $399,999 4,004 7.0% $2838

Top Home Insurance Agents Near Lafayette, LA

Home Insurance Company Near Lafayette, LA Homeowners Insurance Agency Near Lafayette, LA Address
Allstate D.H. Stiel Jr Agcy 618 Main Street, Franklin, LA, 70538
State Farm John Montesano 5711 Johnston St, Lafayette, LA, 70503-5302
State Farm Ken Goss Jr 108 W Anding St, Rayne, LA, 70578-5749
Allstate Miles Briley 222 N Chataignier St, Ville Platte, LA, 70586
NA Moraka, Llc Dba Patout-Greenwood Insurance Agency, Inc. 717 Charles St New Iberia, New Iberia, LA, 70560

Cost Of Homeowners Insurance By Street Near Lafayette, LA

Streets in Lafayette Area Homeowners Insurance Cost
Guidry St, Ola St, Tonbridge Dr, Beaconwood Dr, Dickens St, Church St, Karen Dr, Roxanne Dr, Scott St, Alley 2$1,316
Seychelles Ln, Lafitte Ave, Baltimore Ln, Warmstone Bridge Dr, Pandora St, Scepter Cir, S Jefferson St, Monte Rd, Vatican Rd, Manning Dr$1,349
Ruidoso Dr, Santa Cruz Dr, Coles Creek Dr, Woodbriar Dr, Anastasie Dr, Festival Ln, Picard Rd, Clara St, Fairlane Dr, Capitol Dr$1,362
Renee Ave, Fanny St, Pontiac Rd, Saint Catherine St, Sonce St, Bon Vie Dr, Touraine Cir, Kippsford Dr, Rousseau Rd, Amhurst Rd$1,347
Banks Ave, N Dugas Rd, Poppy Ln, Idlewood Blvd, 5th St, Eppler Rd, Sis Ln, Desoto Rd, Rue Cordial, Floridian$1,266
N Pierce St, Stable Creek Dr, Rose St, Sylvan Dr, Brice St, Papershell Dr, Canary Ln, Versailles Blvd, Suwanee Rd, Brahmwell Ct$1,227
Leeward Loop, Lormand Rd, Avatar Dr, Country Garden Ln, Peak Run, Rue de Belier, W 2nd St, Beranda St, Arlington Dr, Mardi Gras Rd$1,249
Reaux St, German Ln, Windcreek Ln, Martele Blvd, Avondale Dr, W Simcoe St, Calder St, N Saint Antoine St, Woodbine Dr, Reinhardt Dr$1,304
Denver Cir, Rue Conge Cir, N Rushmore Ln, Bull Run Cir, la Rue Christ-Roi, Le Medicin Rd, Marcon Dr, Creekside Dr, Old Heritage Ln, Marie St$1,299
E Edith Rd, Cantal Dr, Castle Row, Facade Rd, Barrington Cir, Chappius Dr, Inwood St, Beaufort Cir, Elmira Rd, Old Youngsville Hwy$1,243

Lafayette, LA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lafayette$194 to $196

Lafayette, 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
Scott city, Louisiana $189 $252 $378
Ossun CDP, Louisiana $191 $255 $383
Milton CDP, Louisiana $198 $264 $396

Lafayette, 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
Lafayette, LA8.6%32.7%

Lafayette Renters Insurance as a Percentage of Rent

Lafayette Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 802 2.0% $347
$200 to $299 705 2.0% $797
$300 to $499 3,244 11.0% $1247
$500 to $749 9,587 34.0% $1922
$750 to $999 7,280 26.0% $2672
$1,000 to $1,499 4,679 16.0% $3797
$1,500 or more 1,336 4.0% $5447

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

Building Coverage Contents coverage Construction type Age of home Company Premium
$200,000 $100,000 brick veneer 10-year Aig Property Casualty Co $2232
$200,000 $100,000 brick veneer 10-year American Risk Ins Co $3033
$200,000 $100,000 brick veneer 10-year Armed Forces Ins Exchange $1726
$100,000 $50,000 brick veneer 25-year Centauri Specialty Ins Co $1341
$150,000 $75,000 brick veneer 20-year Family Security Ins Co $1895
$200,000 $100,000 brick veneer 10-year Great Northern Ins Co $3894
$200,000 $100,000 brick veneer 10-year Liberty Personal Ins Co $2044
$200,000 $100,000 brick veneer 10-year Spinnaker Ins Co $2256
$200,000 $100,000 Frame 10-year The Standard Fire Ins Co $3808
 $300,000  $150,000 brick veneer 1-year The Travelers Indem Co Of America $4256

Lafayette, LA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Lafayette Homeowner Insurance Premium Example $4,700$4,200
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $15,100$14,600
Net Savings to Lafayette Home Owner from High Deductible Plan $500

Lafayette, LA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lafayette, LA Home Replacement Value MORE than Home Value Lafayette, LA Home Replacement Value LESS than Home Value
Replacement Value $273,500 $160,000
Insurance Premium based on Replacement Value $4,500 $2,650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $62,500 Risk Exposure from Under Insuring Coverage is $51,000
Premium Impact Insurance cheaper by $825/year Insurance costlier by $1,025/year

Example Lafayette Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmFarmers InsuranceGEICO Insurance
Monthly Premium 209240175
Year Built 201319932006
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $125000-$150000$200000-$250000$250000-$300000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 210,000 Membrane Roof 2,380 4 $500- $1000 Deductible 2860 12 Vinyl siding No
1978 275,000 Metal Roof 2,750 5 > $10,000 Deductible 250 1 Stone Siding No
2014 275,000 Shingles Roof 2,660 4 $500 Deductible 3070 10 Stone Siding yes
1998 220,000 Asphalt Shingles Roof 2,210 3 $500- $1000 Deductible 250 1 Stucco siding No
1978 185,000 Asphalt Shingles Roof 2,360 3 $1000-$2500 Deductible 2280 10 Stucco siding yes
1972 405,000 Slate Shingles Roof 4,000 5 $5000 to $10,000 Deductible 2600 6 Vinyl siding yes
2007 345,000 Wood Shake Roof 3,600 5 > $10,000 Deductible 310 1 Stone Siding yes
2009 200,000 Slate Shingles Roof 2,330 5 $1000-$2500 Deductible 1210 4 Wood siding No
2006 445,000 Asphalt Shingles Roof 4,060 5 $2500-$5000 Deductible 2260 6 Fiber-Cement Siding No
1970 255,000 Wood Shake Roof 2,590 4 $5000 to $10,000 Deductible 270 1 Wood siding yes
2012 320,000 Wood Shake Roof 3,110 4 $1000-$2500 Deductible 2640 7 Brick siding yes
1982 270,000 Slate Shingles Roof 3,300 4 > $10,000 Deductible 1990 12 Stone Siding No
1982 215,000 Slate Shingles Roof 2,010 3 $500 Deductible 3190 9 Stone Siding yes
2000 275,000 Membrane Roof 2,730 5 $5000 to $10,000 Deductible 1780 8 Fiber-Cement Siding yes
2000 315,000 Metal Roof 3,200 5 $5000 to $10,000 Deductible 2280 8 Stucco siding yes
2013 275,000 Composition Roof 2,940 4 > $10,000 Deductible 1390 5 Brick siding yes
1994 115,000 Asphalt Shingles Roof 1,270 3 $500 Deductible 1270 7 Vinyl siding yes
1971 235,000 Metal Roof 2,060 4 $500- $1000 Deductible 1520 6 Brick siding yes