St. Bernard Insurance Rates:

St. Bernard, LA homeowners insurance is nearly $1,078 to $1,464, about $89-$122/month. Our extensive analysis shows customers can save as much as $508 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
I like that it is easy to access my policy information and get in contact with the company. if i don't want to speak on the phone i can easily chat with them online or shoot them a message through the phone app for my insurance company.
Allstate
Allstate offers great benefit packages if you combine their services and everyone that i know that uses them is happy.
American Family
Another thing that i do not like is that they do not do a universal life policy anymore only term and whole. i would like to have a split between the two.
Liberty Mutual
Very good customer service, I know I can call my agent at any time if there's any questions or concerns I have regarding my coverage or what's covered inside my home as well and their website is user-friendly
American Family
Nice, friendly. They are big and cheap. Good coverage for a good price. Good customer service. I am pretty happy overall with all the services that they provide, and I don't even really shop around for competitors anymore.
Allstate
Allstate premium is about the same as state farm, progressive, and bank of America. The cover the same basic things. I compared the premium and found that it is better quality for the price. I will remain with this company for the next 10-15 years. I enjoy the low premium
Allstate
I love my insurance company's app because it always works great and is very easy to use. I have never had an issue with the Allstate app or website!

St. Bernard, LA Homeowners Insurance By Home Value

St. Bernard, LA Home Value Total Homes % of Total Average St. Bernard, LA Homeowners Insurance
Less than $50,000 878 9.0% $241
$50,000 to $59,999 204 2.0% $521
$60,000 to $69,999 176 1.0% $648
$70,000 to $79,999 498 5.0% $749
$80,000 to $89,999 448 5.0% $838
$90,000 to $99,999 486 5.0% $940
$100,000 to $124,999 1,693 18.0% $1093
$125,000 to $149,999 1,606 17.0% $1372
$150,000 to $174,999 1,228 13.0% $1614
$175,000 to $199,999 508 5.0% $1868
$200,000 to $249,999 561 6.0% $2249
$250,000 to $299,999 455 5.0% $2745
$300,000 to $399,999 212 2.0% $3495

Top Home Insurance Agents Near St. Bernard, LA

Home Insurance Company Near St. Bernard, LA Homeowners Insurance Agency Near St. Bernard, LA Address
NA Hancock Insurance Agency 225 St. Charles Ave. Ste. 537 New Orleans, New Orleans, LA, 70130
NA Southgroup Gulf Coast 412 Hwy 90 Suite 6 Bay Saint Louis , Bay St. Louis, MS, 39520
NA International Sureties Ltd 701 Poydras St Ste 420 New Orleans, New Orleans, LA, 70139
State Farm Alan Jackson 7045 Read Blvd Ste 108, New Orleans, LA, 70127-7627
State Farm E J Roberts 12207 Highway 49, Gulfport, MS, 39503-2955

Cost Of Homeowners Insurance By Street Near St. Bernard, LA

Streets in St. Bernard Area Homeowners Insurance Cost
Contemporary Ct, Beaver Dr, 2nd St, W Claiborne Sq, E Chalmette Cir, Randazzo Ln, Highland St, Angelique Dr, Deerfield St, Dauphine St$1,260
Kings Dr, Bridgehead St, Deerfield Dr, Tracy St, Francis Carroll Dr, Ventura Dr, Tournefort St, Oak Dr, 5th St, State Rte 47$1,255
Plaza Dr, Jackson Blvd, W Josephine St, Tracy St, Janssen St, E Josephine St, W Center St, Regal Dr, Calvo St, Marcelle Dr$1,267
E Solidelle St, Jones Dr, Prosperity St, Jamie Ct, E St Jean Baptist St, Newport Dr, St Bernard Heights Dr, Remmie St, Debouchel Blvd, Guillot Dr$1,262
E Carolina Dr, Delille St, N Robertson St, Lena Dr, W St Jean the Baptist St, 8th St, Tracy Dr, Colonel Dr, Newport Dr, W Claiborne Sq$None

St. Bernard, LA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
St. Bernard$190 to $193
Waveland$142
Henderson Point$148
Pass Christian$149

St. Bernard, 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
Waveland city, Mississippi $119 $159 $238
Pass Christian city, Mississippi $125 $166 $249
Bay St. Louis city, Mississippi $121 $161 $241

St. Bernard, 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
St. Bernard, LA9.6%35.2%
Waveland6.42%21.1%
Pass Christian5.15%16.37%
Bay St. Louis6.27%19.1%

St. Bernard Renters Insurance as a Percentage of Rent

St. Bernard Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 193 5.0% $1255
$500 to $749 964 27.0% $1930
$750 to $999 1,524 42.0% $2680
$1,000 to $1,499 815 22.0% $3805

St. Bernard, LA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$8,800
Yearly St. Bernard Homeowner Insurance Premium Example $4,000$3,000
Out of Pocket Expense During Claim$1,800$8,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $33,800$32,800
Net Savings to St. Bernard Home Owner from High Deductible Plan $1,000

St. Bernard, LA Home Insurance Costs With Home Replacement Value Scenarios

Scenario St. Bernard, LA Home Replacement Value MORE than Home Value St. Bernard, LA Home Replacement Value LESS than Home Value
Replacement Value $174,000 $122,000
Insurance Premium based on Replacement Value $2,550 $1,775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,000 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $425/year Insurance costlier by $350/year

Example St. Bernard Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateLiberty Mutual
Monthly Premium 249164258
Year Built 199019791988
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$250000-$300000$300000-$350000
Deductible $500- $1000 Deductible> $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for St. Bernard, LA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1990 105,000 Wood Shake Roof 1,460 3 $500 Deductible 1160 9 Wood siding yes
1975 115,000 Composition Roof 1,630 3 $2500-$5000 Deductible 210 3 Wood siding yes
1976 145,000 Slate Shingles Roof 1,920 4 $500- $1000 Deductible 1120 5 Brick siding yes
1981 430,000 Shingles Roof 4,580 5 $5000 to $10,000 Deductible 790 2 Vinyl siding No
1992 195,000 Asphalt Shingles Roof 2,160 3 $1000-$2500 Deductible 1170 5 Brick siding No
2007 135,000 Tile Roof 1,870 4 $2500-$5000 Deductible 1080 9 Stucco siding No
2010 250,000 Asphalt Shingles Roof 2,970 5 $500 Deductible 3240 12 Wood siding No
1987 130,000 Membrane Roof 1,780 3 $500- $1000 Deductible 1690 8 Fiber-Cement Siding yes
1999 190,000 Membrane Roof 2,120 3 $2500-$5000 Deductible 1670 8 Wood siding No
1999 125,000 Asphalt Shingles Roof 1,620 3 $500- $1000 Deductible 580 4 Wood siding yes
1999 240,000 Wood Shake Roof 3,270 5 $1000-$2500 Deductible 3190 10 Wood siding yes
1983 295,000 Tile Roof 4,400 5 > $10,000 Deductible 1860 8 Brick siding No
1975 300,000 Asphalt Shingles Roof 4,210 5 $1000-$2500 Deductible 1000 4 Stone Siding yes
2003 170,000 Tile Roof 1,950 4 $1000-$2500 Deductible 2180 12 Wood siding No
2001 425,000 Slate Shingles Roof 4,320 5 $500 Deductible 8140 12 Brick siding No
1981 345,000 Metal Roof 3,890 5 $500 Deductible 2770 7 Fiber-Cement Siding No
1985 235,000 Slate Shingles Roof 2,970 4 $2500-$5000 Deductible 1040 4 Stone Siding yes
1979 165,000 Tile Roof 2,470 4 $2500-$5000 Deductible 1880 10 Stucco siding yes
1985 125,000 Shingles Roof 1,420 3 $500 Deductible 1270 10 Vinyl siding No
2006 305,000 Tile Roof 3,280 5 $1000-$2500 Deductible 2230 5 Stucco siding No
2014 260,000 Tile Roof 3,380 5 > $10,000 Deductible 830 5 Stone Siding yes
1984 145,000 Shingles Roof 1,500 3 $500- $1000 Deductible 620 3 Vinyl siding yes
1985 190,000 Wood Shake Roof 2,150 3 $1000-$2500 Deductible 1270 7 Vinyl siding No
1998 240,000 Slate Shingles Roof 3,380 5 $500 Deductible 1860 6 Brick siding No