Monticello Insurance Rates:

Monticello, LA homeowners insurance is roughly $1,088 to $1,481, about $90-$123/month. Our comprehensive analysis indicates shoppers can save upto $513 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Monticello, LA Homeowners Insurance By Home Value

Monticello, LA Home Value Total Homes % of Total Average Monticello, LA Homeowners Insurance
Less than $50,000 82 4.0% $218
$60,000 to $69,999 29 1.0% $577
$70,000 to $79,999 47 2.0% $667
$80,000 to $89,999 85 4.0% $757
$90,000 to $99,999 93 5.0% $847
$100,000 to $124,999 224 12.0% $975
$125,000 to $149,999 444 25.0% $1219
$150,000 to $174,999 483 27.0% $1438
$175,000 to $199,999 122 6.0% $1669
$200,000 to $249,999 155 8.0% $2003

Top Home Insurance Agents Near Monticello, LA

Home Insurance Company Near Monticello, LA Homeowners Insurance Agency Near Monticello, LA Address
NA Cazayoux Insurance Agency 503 Street New Roads, New Roads, LA, 70760
NA Martinez Insurance Agency 809 N. Alexander St., Gonzales, LA, 70737
NA C. P. Grace & Associates 3014 Dena Lynn Avenue Baton Rouge, Baton Rouge, LA, 70816
Travelers John Hendry Ins Agcy Inc 4633 MAIN ST PO BOX 250, ZACHARY, LA, 70791
State Farm R K Mehrotra 8149 Florida Blvd Ste 100, Baton Rouge, LA, 70806-4722

Cost Of Homeowners Insurance By Street Near Monticello, LA

Streets in Monticello Area Homeowners Insurance Cost
Langer Ave, Buhler Dr, Norwich Dr, Sarasota Dr, Union Dr, Canterbury Dr, Raney Dr, Monticello Blvd, N Wendover Dr, E Big Bend Ave$1,284
Oleary Ave, Fort Meyers Ave, Pensacola Dr, Blackstrap Ave, Cardigan Ave, Ocala Ave, Belfast Dr, W Daytona Cir, W England Ave, Flannery Rd$1,289
Biscayne Dr, N Shamrock Dr, Mendenhal Ave, Newbury Dr, Linstrom Dr, Sequoia Dr, Wexford Dr, W Wendover Dr, Shamrock Dr, Scarborough Dr$1,289
Kerry Dr, Sherwood Homes Dr, N Newbury Dr, Miami Dr, Ireland Ave, N Salem Dr, E Banofax Ave, Mossy Dr, Castle Hill Dr, Parliament Cir$1,279
Bangor Dr, Sunderland Ave, Cherryl Dr, Leesburg Ave, Iceland Ave, Blue Ribbon Dr, E Mendenhal Dr, Noble Cane Dr, Wind Pond Dr, Delores Dr$1,279

Monticello, LA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Monticello$191 to $193
Merrydale$187
East Baton Rouge$195
Denham Springs$193

Monticello, 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
Merrydale CDP, Louisiana $156 $208 $312
East Baton Rouge Parish, Louisiana $163 $217 $325
Central city, Louisiana $163 $217 $326

Monticello, 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
Monticello, LA8.8%31.7%
Merrydale10.86%33.2%
East Baton Rouge8.58%29.12%
Central8.47%31.07%

Monticello Renters Insurance as a Percentage of Rent

Monticello Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 28 25.0% $801
$750 to $999 43 39.0% $2676
$1,000 to $1,499 38 34.0% $3801

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

Building Coverage Contents coverage Construction type Age of home Company Premium
$200,000 $100,000 brick veneer 10-year American Risk Ins Co $2850
$200,000 $100,000 brick veneer 10-year Americas Ins Co $1258
$150,000 $75,000 brick veneer 20-year Americas Ins Co $1913
$200,000 $100,000 brick veneer 10-year Ark Royal Ins Co $1839
$200,000 $100,000 brick veneer 10-year Centauri Specialty Ins Co $1257
 $300,000  $150,000 brick veneer 1-year Coastal Select Ins Co $1716
$200,000 $100,000 brick veneer 10-year Fireman's Fund Ins Co $3194
$200,000 $100,000 brick veneer 10-year Hartford Casualty Ins Co $2495
$400,000 $200,000 brick veneer 1-year Safepoint Ins $1999
$200,000 $100,000 Frame 10-year The American Ins Co $4543

Monticello, LA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Monticello Homeowner Insurance Premium Example $2,700$2,500
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $22,500$21,900
Net Savings to Monticello Home Owner from High Deductible Plan $600

Monticello, LA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Monticello, LA Home Replacement Value MORE than Home Value Monticello, LA Home Replacement Value LESS than Home Value
Replacement Value $180,000 $106,500
Insurance Premium based on Replacement Value $3,575 $2,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,500 Risk Exposure from Under Insuring Coverage is $36,000
Premium Impact Insurance cheaper by $725/year Insurance costlier by $750/year

Example Monticello Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceState FarmGEICO Insurance
Monthly Premium 178458316
Year Built 199519891981
Home Details 4 Beds, 3 Baths5 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $150000-$175000$250000-$300000$300000-$350000
Deductible $2500-$5000 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 235,000 Asphalt Shingles Roof 2,480 5 $2500-$5000 Deductible 3130 12 Brick siding No
1989 205,000 Wood Shake Roof 2,660 5 $500 Deductible 1540 8 Stucco siding yes
1996 195,000 Slate Shingles Roof 1,970 4 $500- $1000 Deductible 2030 7 Stucco siding No
1996 270,000 Shingles Roof 2,850 5 $5000 to $10,000 Deductible 230 1 Vinyl siding yes
1995 450,000 Wood Shake Roof 4,560 5 $500- $1000 Deductible 4420 9 Stone Siding No
1991 160,000 Composition Roof 2,230 5 $2500-$5000 Deductible 1870 12 Stone Siding No
1996 235,000 Composition Roof 2,910 4 > $10,000 Deductible 1030 5 Stone Siding No
1995 320,000 Slate Shingles Roof 3,210 4 $2500-$5000 Deductible 2170 6 Vinyl siding yes
1996 435,000 Wood Shake Roof 4,750 5 $2500-$5000 Deductible 2680 6 Wood siding No
1999 145,000 Slate Shingles Roof 1,710 4 $2500-$5000 Deductible 350 3 Brick siding yes
1996 240,000 Tile Roof 2,980 5 $2500-$5000 Deductible 340 1 Stucco siding No
1995 225,000 Membrane Roof 2,990 4 $1000-$2500 Deductible 290 1 Vinyl siding yes
1980 345,000 Shingles Roof 4,280 5 $1000-$2500 Deductible 5140 12 Stone Siding yes
1991 175,000 Metal Roof 2,400 4 $5000 to $10,000 Deductible 1360 9 Stucco siding No
1995 480,000 Membrane Roof 4,520 5 $5000 to $10,000 Deductible 6540 12 Stucco siding No
1986 185,000 Metal Roof 1,850 4 $5000 to $10,000 Deductible 1140 9 Fiber-Cement Siding No
1993 245,000 Composition Roof 2,630 4 > $10,000 Deductible 200 1 Stucco siding yes
1990 195,000 Wood Shake Roof 2,050 5 $1000-$2500 Deductible 500 2 Wood siding yes
1996 190,000 Membrane Roof 2,340 5 $1000-$2500 Deductible 2030 7 Vinyl siding yes
1983 220,000 Tile Roof 2,180 4 $2500-$5000 Deductible 3230 12 Vinyl siding No
1990 180,000 Composition Roof 2,280 4 $500 Deductible 1640 6 Wood siding yes
1996 235,000 Asphalt Shingles Roof 3,190 4 $1000-$2500 Deductible 2380 10 Brick siding yes
1994 195,000 Composition Roof 2,620 4 $2500-$5000 Deductible 670 3 Fiber-Cement Siding yes
1986 320,000 Slate Shingles Roof 3,090 5 $5000 to $10,000 Deductible 2540 8 Fiber-Cement Siding No
1980 200,000 Tile Roof 2,800 5 $500 Deductible 1920 6 Stone Siding No
1994 265,000 Slate Shingles Roof 3,310 5 $500 Deductible 3780 10 Wood siding No
1992 330,000 Membrane Roof 3,130 4 $1000-$2500 Deductible 1400 3 Stucco siding No
1990 305,000 Wood Shake Roof 4,260 5 $1000-$2500 Deductible 330 1 Stone Siding No
1996 330,000 Slate Shingles Roof 3,200 4 > $10,000 Deductible 1380 7 Wood siding yes
1994 180,000 Slate Shingles Roof 1,820 4 $5000 to $10,000 Deductible 1840 10 Wood siding No
1997 200,000 Membrane Roof 2,270 5 $500- $1000 Deductible 470 2 Stucco siding No
1985 165,000 Composition Roof 2,000 5 $500- $1000 Deductible 1820 9 Fiber-Cement Siding yes