How much does homeowners insurance cost on the Westbank?
Rates can vary from Westwego to Gretna due to underwriting factors and coverage selection option.
A home in Marrero could be $2800 but the same house in Harvey could be $3800.
Homeowners insurance rates can vary based on these underwriting factors, but not limited to
Age of Home
Claims History
Hip shape roof or Gable
Brick of Frame Construction
Year Built
Year of Roof Replacement
Credit Score
How much does Homeowners Insurance cost in Gretna, La?
Here is a example of a Home in Gretna, La
Address: Fairfield Ave Gretna, La 70056
Home Details: Brick home, 2300 square feet, Gable Roof, Roof replacement in 2021
Here are the Policy Coverage
| Dwelling | 300,000 |
| Other Structures | 30,000 |
| Personal Property | 75,000 |
| Loss of Use | 60,000 |
| Liability | 300,000 |
| Medical Payments | 5,000 |
| Estimated Annual Premium | $4,050 |
Rates can vary on this risk from $3,415 to $6,341 contingent upon your coverage add on selection
Additional Coverage Option Add ons
| Animal Liability 50k | $50 |
| Service Line 10k | $22 |
| Equipment Breakdown | $33 |
| Libel or Slander 300k | $23 |
| Water Backup 25k | $75 |
| Replacement Cost contents | $378 |
Deductible Options to Save
| 1,000/1% Wind | $0 |
| 2500/2% Wind | -$325 |
| 2500/3% Wind | -$462 |
| 5000/5% Wind | -$684 |
Rates can be customized based on the coverage options you want to include
You can adjust the amount of your personal property to cover the value
Lowering your personal property can reduce the rate your pay
Frequently Asked Questions
Does my credit score affect the rate I pay for insurance?
Yes. You will pay less for insurance when you increase your credit score. Most all companies now use your credit score to develop your insurance score.
Can I lower the rate I pay at renewal?
Yes. Each year you can review your coverage and rate and review any changes with your insurance agent.
Reducing coverage, raising your deductible are often available to you if you need to get your rate down without lowering the replacement cost of your home.
The cost to rebuild your property more than likely has increased since you initially purchased your policy so it is important your policy reflects the current cost to rebuild your home in the event of a major loss.
