Opelousas, LA homeowners insurance is nearly $1,046 to $1,422, about $87-$118/month. Our exhaustive research reveals consumers can save as much as $493 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Opelousas, LA | Homeowners Insurance Agency Near Opelousas, LA | Address |
|---|---|---|
| Travelers | Assuredpartners Gulf Coast Ins Agency Llc | 600 JEFFERSON ST STE 200, LAFAYETTE, LA, 70501 |
| State Farm | Bruce Montesano | 445 E Mills Ave, Breaux Bridge, LA, 70517-4412 |
| Allstate | Drake Pothier | 1508 Kaliste Saloom Rd, Lafayette, LA, 70508 |
| Allstate | J O Smith Agency Inc | 111 W. Main St., New Roads, LA, 70760 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Lawtell CDP, Louisiana | $183 | $244 | $366 |
| St. Landry Parish, Louisiana | $185 | $247 | $371 |
| Leonville town, Louisiana | $184 | $245 | $368 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Opelousas, LA | 11.9% | 34.4% |
| Lawtell | 15.87% | 37.69% |
| St. Landry | 11.75% | 38.93% |
| Leonville | 13.47% | 35.82% |
| Opelousas Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 187 | 6.0% | $369 |
| $200 to $299 | 436 | 15.0% | $819 |
| $300 to $499 | 731 | 26.0% | $1269 |
| $500 to $749 | 922 | 32.0% | $1944 |
| $750 to $999 | 410 | 14.0% | $2694 |
| $1,000 to $1,499 | 106 | 3.0% | $3819 |
| Streets in Opelousas Area | Homeowners Insurance Cost |
|---|---|
| Cottontail Dr, Halphen St, Old Court St, Parish Rd 1-360, W Foulard St, Charles Burr Ln, Durousseau Rd, Bebo Dr, Dulifho Rd, W Teche Ln | $1,286 |
| St John Ave, Interstate Highway 49 Svc Rd S, Eaglin Rd, Edwards St, Mimosa Dr, Bertrand Rd, I- 49 Svc Rd, Tweedy Ln, Sam St, Michelle Rd | $1,238 |
| Louisiana Ave, Alice St, John Walter Dr, Desiree Rd, Tulane Ave, Salvador St, Moonlight Rd, Frontage Rd, N Lombard St, Lumas Rd | $1,242 |
| Gordon St, Nash Dr, Parish Rd 6-36, Tisem Rd, Betsy Ross Ln, Grandnigo Rd, Walsh St, Guidry St, Nira St, Pershing Hwy | $1,227 |
| Standberry Rd, N Ethel St, Attakapas Dr, Garden Ln, Blossom Rd, Christian Pt, E Bloch St, W Landry St, Montreal St, Parish Rd 1-166-3 | $1,229 |
| Parish Rd 1-110, Choctaw Dr, Fern St, State Rte 104, Napoleon St, Evansdale St, W South St, Lost Cayou Rd, Emma St, State Rte 35 | $1,217 |
| Saint Margaret Rd, Kimble St, Emar St, Pine Loop, Parish Rd 5-85-5, Wisdom Rd, Parish Rd 6-12-1, Audrey St, Blossom Rd, Carlin St | $1,220 |
| Prescott St, E Jefferson St, Apple Rd, Schwartzenburg St, Parish Rd 1-26-2, Gerald St, Progress St, Rue Joubert, Desoto St, Charlene Richard Rd | $1,236 |
| Ivy Babineau Rd, E Tennis St, Parish Rd 6-100-3, Parish Rd 1-386, Arapaho Ln, Patty St, Harris Ln, Boone St, Ballard Ln, St Titus Dr | $1,227 |
| Parish Rd 1-393, St Hubert Dr, Cenla St, Opel Rd, Plaisance St, Narcisse Lacour Rd, Grant Rd, Mamie St, Henry St, James St | $1,235 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Opelousas | $184 to $187 |
| Lawtell | $183 |
| St. Landry | $185 |
| Grand Coteau | $182 |
| Building Coverage | Contents coverage | Construction type | Age of home | Company | Premium |
|---|---|---|---|---|---|
| $200,000 | $100,000 | brick veneer | 10-year | Allstate Ins Co | $4523 |
| $150,000 | $75,000 | brick veneer | 20-year | Centauri Specialty Ins Co | $2684 |
| $400,000 | $200,000 | brick veneer | 1-year | Coastal Select Ins Co | $5103 |
| $200,000 | $100,000 | brick veneer | 10-year | Encompass Property And Casualty Co | $6782 |
| $200,000 | $100,000 | Frame | 10-year | Gulfstream Property & Casualty Ins Co | $3191 |
| $200,000 | $100,000 | brick veneer | 10-year | Liberty Mutual Fire Ins Co | $2728 |
| $400,000 | $200,000 | brick veneer | 1-year | Liberty Mutual Fire Ins Co | $4870 |
| $150,000 | $75,000 | brick veneer | 20-year | Republic Fire And Casualty Ins Co | $2839 |
| $200,000 | $100,000 | brick veneer | 10-year | Spinnaker Ins Co | $5222 |
| $200,000 | $100,000 | brick veneer | 10-year | United Services Automobile Association | $2191 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $1,500 |
| Yearly Opelousas Homeowner Insurance Premium Example | $1,800 | $1,300 |
| Out of Pocket Expense During Claim | $500 | $1,500 |
| Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim | $7,700 | $6,700 |
| Net Savings to Opelousas Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Opelousas, LA Home Replacement Value MORE than Home Value | Opelousas, LA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $121,000 | $86,000 |
| Insurance Premium based on Replacement Value | $2,225 | $1,575 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $15,000 | Risk Exposure from Under Insuring Coverage is $20,000 |
| Premium Impact | Insurance cheaper by $375/year | Insurance costlier by $275/year |
| Insurance Company | GEICO Insurance | Farmers Insurance | Allstate |
| Monthly Premium | 139 | 122 | 179 |
| Year Built | 1968 | 1982 | 1996 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $100000-$125000 | $75000-$100000 | $150000-$175000 |
| Deductible | $2500-$5000 Deductible | $500 Deductible | $500- $1000 Deductible |