How much does Homeowners Insurance cost in Prairieville, Louisiana?
The price you pay will be determined by underwriting factors and the coverage options you choose.
Since not all policies are the same you need to understand the which coverage options are available and how much they cost.
Here is an option from an Insurance company writing in Prairieville, La
Address: Heartstone drive, Prairieville, La
Value: 300,000
Home Details: 1,536 square feet, Brick, Hip Roof, Roof and House in 2016
Here are the Coverage Options
| Dwelling | 300,000 |
| Other Structures | 30,000 |
| Personal Property | 75,000 |
| Loss of Use | 30,000 |
| Liability | 300,000 |
| Medical Payments | 1,000 |
| Estimated Annual Premium | $1,068 |
Coverage Option Add Ons
| Replacement Cost Contents | $250 |
| Replacement Cost Roof | $150 |
| Sewer Water Back up | $110 |
| Personal Injury (libel or Slander) | $65 |
| Service Line Replacement | $75 |
| Equipment Breakdown | $75 |
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Deductible Options Help You Save
| 1,000/1% Wind | $0 |
| 2500/2% Wind | -$350 |
| 5000/3% Wind | -$550 |
| 5000/5% Wind | -$675 |
Coverage options election and Underwriter factors will determine the rate you pay for Homeowners Insurance in Prairieville, Louisiana
Frequently Asked Questions
How can I lower the rate I pay for Home Insurance?
Factors that determine the rate you pay, but not limited to, are your credit score, claims history, age of home, age of roof, coverage options, discounts applied.
Review your coverage and rate each year with your insurance agent to review for discounts
Transfer of Risk using higher deductibles can help you lower the rate you pay
I believe my home is over insured. What can I do?
You can contact a local homebuilder and ask them how much price per square foot does it cost to build a home?
Multiply that figure by your square feet and you can get an idea how much you should insured your house for.
You can also ask your insurance agent to send you a replacement cost estimate and this will give you an idea.
