Lake Charles Insurance Rates:

Lake Charles, LA homeowners insurance is roughly $1,072 to $1,458, about $89-$121/month. Our thorough guide reveals consumers can save as much as $506 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Allstate
Having the minimum to the whole show. If you want a bit more you can take as needed. Good offerings and straight forward.
Progressive
Our home insurance policy covers fire damage, water damage from burst pipes, damage from outside persons such as intruders breaking in or in the event of vandalism.
Safeco Insurance
Paying the insurance bill two times in one year. so it is easier to pay when you split the bill in half.
State Farm
The agents that state farm has are always friendly and willing to work with you. they are very considerate and will help me with any of my questions.
State Farm
The upbeat positive attitude that the workers have is amazing. they really pull together and assist each other as best they can.
American Family
Easy to set up payments and get in touch with customer service representative. They only thing I don't care for is the local representative pages are pretty minimal in information.
Travelers
They seem entirely adequate. It is pretty easy to set things up for acquiring the original policy. Also, they have good levels of coverage for a budget. Finally, their website is fine.
Geico
If I had to describe something I dislike, I would say that since I have had my same policy for so long, I am not really familiar with new types of policies and they don't send any updates regarding that.
Travelers
I have been insured with travelers for several years. they have been easy to deal with, paid a claim and did not raise my premium

Lake Charles, LA Homeowners Insurance By Home Value

Lake Charles, LA Home Value Total Homes % of Total Average Lake Charles, LA Homeowners Insurance
Less than $50,000 1,467 9.0% $253
$50,000 to $59,999 691 4.0% $543
$60,000 to $69,999 1,054 6.0% $683
$70,000 to $79,999 953 6.0% $784
$80,000 to $89,999 1,408 8.0% $898
$90,000 to $99,999 1,026 6.0% $999
$100,000 to $124,999 2,051 13.0% $1163
$125,000 to $149,999 1,642 10.0% $1454
$150,000 to $174,999 1,621 10.0% $1707
$175,000 to $199,999 1,085 6.0% $1973
$200,000 to $249,999 1,243 7.0% $2378
$250,000 to $299,999 768 4.0% $2909
$300,000 to $399,999 676 4.0% $3693

Top Home Insurance Agents Near Lake Charles, LA

Home Insurance Company Near Lake Charles, LA Homeowners Insurance Agency Near Lake Charles, LA Address
Travelers Bryan Strange Smith Insurance Agency Inc 622 N PINE ST, DERIDDER, LA, 70634
Travelers Insurance World Inc 5640 S. Highway 14 , Lake Charles, LA, 70607
Allstate Jeff Davis Insurance Agency 1010 N Lake Arthur Ave, Jennings, LA, 70546
Travelers Mann Insurance Agency Inc 1505 W PARK AVE, ORANGE, TX, 77631
Allstate Shana Burt 2117 Magnolia Ave, Port Neches, TX, 77651

Lake Charles, LA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Lake Charles, LA

Streets in Lake Charles Area Homeowners Insurance Cost
Edgewater Dr, Dr M Debakey Dr, Imelda St, State Rte 3059, E General Wainwright Dr, St Dizier St, Ricky Ln, Rosetta St, E Broad St, Lynn St$1,219
McVay St, Esplanade St, 10th St, V E Washington, Bending Branch Dr, E Dick Hays Rd, Mitchell St, Pine Hill Rd, Clara St, Larue St$1,282
Woodard St, W Mc Neese St, Andrus Loop, Casey St, E Peace, Elaine St, S Division St, Burton St, S Prien Lake Rd, Fourden St$1,232
Blackman St, Weaver Rd, Country Club Rd, Champions Dr, Beau Chene Dr, Adams St, Evelyn St, Lilleon Ln, Vogue, 17th St$1,361
Tulip St, Roger St, Signal St, Gladys St, Aberdeen Dr, I- 10 Svc Rd, Nebraska St, Spring St, W Friesen Rd, Evergreen St$1,285
Colfax St, Catalina St, Frontier Trl, Macy St, W Kayleigh Ln, Pujo St, Orrin St, Hollis Ln, Back Bay Ct, W Pujo St$1,295
Highland Dr, Decker St, Chavanne St, Queen Carter Ct, Oakwood Dr, Brown, Wilson Dr, Cougar St, Badger St, Greenway St$1,282
Pear St, General Mitchell St, Bellanie Aly, Western St, Contraband Ln, E St Charles Ave, Sage Dr, 2nd Ave, S Crestview Dr, W 18th St$1,266
E School St, Clarence St, Harless St, Kandy Ln, Bauer St, Mistretta Rd, E Hebert Rd, Shelly Ln, S Vintage Ln, Cappo Rd$1,244
W Sale St, Alma Ln, Duhon St, St Andrews Dr, Commercial St, Noma Ln, S Goodman Rd, Beechwood Dr, Neely Rd, Glover St$1,372

Lake Charles, LA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lake Charles$189 to $192
Prien$195
Westlake$187
Sulphur$189

Lake Charles, 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
Prien CDP, Louisiana $195 $260 $390
Westlake city, Louisiana $188 $250 $375
Moss Bluff CDP, Louisiana $195 $260 $390

Lake Charles, 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
Lake Charles, LA9.9%31.7%
Prien8.44%30.59%
Westlake11.45%31.81%
Moss Bluff8.79%34.72%

Lake Charles Renters Insurance as a Percentage of Rent

Lake Charles Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 523 4.0% $358
$200 to $299 557 4.0% $808
$300 to $499 1,668 14.0% $1258
$500 to $749 3,419 29.0% $1933
$750 to $999 3,567 30.0% $2683
$1,000 to $1,499 1,797 15.0% $3808
$1,500 or more 223 1.0% $5458

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

Building Coverage Contents coverage Construction type Age of home Company Premium
 $300,000  $150,000 brick veneer 1-year Anchor Specialty Ins Co $1661
$200,000 $100,000 Frame 10-year Bankers Specialty Ins Co $1923
 $300,000  $150,000 brick veneer 1-year Coastal Select Ins Co $1286
 $300,000  $150,000 brick veneer 1-year Excalibur National Ins Co $1712
$200,000 $100,000 brick veneer 10-year Great Northern Ins Co $3600
$200,000 $100,000 brick veneer 10-year Imperial Fire And Casualty $1762
$200,000 $100,000 brick veneer 10-year La Farm Bureau Casualty Ins Co $3325
$200,000 $100,000 brick veneer 10-year Liberty Mutual Fire Ins Co $1663
$200,000 $100,000 brick veneer 10-year State Farm Fire & Casualty Co $2674
$200,000 $100,000 brick veneer 10-year The Travelers Indem Co Of America $3284

Lake Charles, LA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Lake Charles Homeowner Insurance Premium Example $5,000$4,500
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $36,000$34,500
Net Savings to Lake Charles Home Owner from High Deductible Plan $1,500

Lake Charles, LA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lake Charles, LA Home Replacement Value MORE than Home Value Lake Charles, LA Home Replacement Value LESS than Home Value
Replacement Value $195,000 $139,000
Insurance Premium based on Replacement Value $2,700 $1,925
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $21,000 Risk Exposure from Under Insuring Coverage is $35,000
Premium Impact Insurance cheaper by $475/year Insurance costlier by $300/year

Example Lake Charles Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmFarmers Insurance
Monthly Premium 244114359
Year Built 201219941979
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$75000-$100000$200000-$250000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1965 105,000 Slate Shingles Roof 1,220 2 $500 Deductible 380 3 Vinyl siding yes
1965 155,000 Metal Roof 1,820 4 $500 Deductible 440 2 Vinyl siding No
1971 110,000 Asphalt Shingles Roof 1,310 3 $2500-$5000 Deductible 930 10 Stucco siding No
1973 175,000 Slate Shingles Roof 2,120 4 $5000 to $10,000 Deductible 2160 10 Stucco siding yes
2013 145,000 Metal Roof 2,200 4 $500 Deductible 1400 9 Vinyl siding No
2013 90,000 Slate Shingles Roof 1,430 3 $500 Deductible 1130 9 Stucco siding No
1993 235,000 Shingles Roof 2,490 4 $500 Deductible 2270 7 Brick siding No
2011 60,000 Tile Roof 930 2 $1000-$2500 Deductible 630 8 Stone Siding No
1962 195,000 Slate Shingles Roof 2,140 3 $2500-$5000 Deductible 940 6 Vinyl siding yes
1999 155,000 Wood Shake Roof 2,180 3 $500- $1000 Deductible 850 5 Wood siding No
1997 420,000 Membrane Roof 4,730 5 $1000-$2500 Deductible 3170 9 Wood siding yes
2010 100,000 Tile Roof 1,520 2 $500- $1000 Deductible 470 3 Brick siding No
1998 365,000 Asphalt Shingles Roof 4,450 5 $500- $1000 Deductible 3460 8 Brick siding No
1992 190,000 Membrane Roof 2,380 3 $500 Deductible 800 4 Stucco siding yes
1961 220,000 Wood Shake Roof 3,390 4 $500 Deductible 660 2 Fiber-Cement Siding No
2011 115,000 Membrane Roof 1,580 2 $500- $1000 Deductible 1180 12 Stucco siding No
1995 175,000 Tile Roof 2,300 3 $500 Deductible 1220 5 Stone Siding No
1966 95,000 Wood Shake Roof 1,040 2 $1000-$2500 Deductible 820 6 Stone Siding No
2010 255,000 Membrane Roof 3,200 4 $500- $1000 Deductible 2930 9 Wood siding yes
1984 110,000 Slate Shingles Roof 1,460 3 $500 Deductible 180 1 Brick siding No
2014 125,000 Wood Shake Roof 1,750 4 $2500-$5000 Deductible 490 3 Brick siding yes
1965 110,000 Shingles Roof 1,330 2 $500 Deductible 1340 7 Fiber-Cement Siding yes
1965 80,000 Metal Roof 1,080 2 $1000-$2500 Deductible 340 4 Wood siding No
1965 90,000 Composition Roof 1,200 2 $2500-$5000 Deductible 440 3 Stone Siding yes
2014 85,000 Shingles Roof 910 2 $1000-$2500 Deductible 910 8 Fiber-Cement Siding yes
2012 125,000 Asphalt Shingles Roof 1,720 2 $500- $1000 Deductible 1750 10 Stucco siding yes
1982 165,000 Membrane Roof 1,890 3 $500 Deductible 250 1 Wood siding yes
1977 135,000 Composition Roof 1,900 4 $2500-$5000 Deductible 900 5 Wood siding yes
1990 100,000 Composition Roof 1,500 2 $2500-$5000 Deductible 1230 10 Stone Siding yes
1983 270,000 Slate Shingles Roof 3,750 5 > $10,000 Deductible 610 3 Wood siding No
1975 110,000 Membrane Roof 1,490 2 $500- $1000 Deductible 680 5 Vinyl siding No
1990 110,000 Asphalt Shingles Roof 1,580 2 $500 Deductible 490 3 Fiber-Cement Siding yes
1968 80,000 Membrane Roof 940 2 $500- $1000 Deductible 1490 12 Stone Siding No

How To Make Your Lake Charles, LA Home Insurnace Cheaper