How much does homeowners insurance cost in River Ridge, Louisiana 70123?
Rates can vary depending on property details, coverage options selected and your claims history and insurance score.
Not all insurance policies are the same.
Some agents sell owner occupied dwelling policies instead of HO-3 Special Form
The coverage is not the same and you could be paying out of pocket for a theft claim or getting pennies on the dollar for your personal property
Let’s look at a house in River Ridge
Address: Tallulah dr River Ridge, La 70123
Value: 400,000
Home Details: 2556 square feet, Hardiplank, Two Story, Hip Roof 2020, Built 2010
Policy Coverage Limits
| Dwelling | 400,000 |
| Other Structures | 40,000 |
| Personal Property | 100,000 |
| Loss of Use | 30,000 |
| Liability | 300,000 |
| Medical Payments | 1,000 |
| Estimated Annual Premium | $3,005 |
Coverage Option Add Ons
| Replacement Cost Contents | $287 |
| Replacement Cost Roof | $58 |
| Sewer Water Back Up 25k | $133 |
| Equipment Breakdown | $102 |
| Animal Liability 100k | $75 |
| Service Line Replacement | $80 |
Choose your Deductible to save
| 1,000/1% Wind | $0 |
| 2500/2% Wind | -$300 |
| 5000/3% Wind | -$500 |
| 5000/5% Wind | $-695 |
Rates can range from $2800 to $5600 on a 400,000 home in River Ridge, La based on underwriting factors, but not limited to,
Year of construction
Year of Roof
Brick or Frame
Hip shaped roof or Gable
Estimated square feet
Credit Worthiness
Claims History
Qualification of Policy Discounts
Frequently Asked Questions
I have an older home. How can I get my rate lower?
Although newer homes get lower rates you can still update your roof, electrical, hvac and plumbing to get a renovation discount.
Fortified Roof discount and Wind Mitigation Forms can lower the rate your pay
My house is not worth 400,000. Why do I have to buy a homeowners insurance policy for 400,000?
The cost to rebuild your home should be the amount listed on your policy as “Coverage A” or “Coverage Dwelling Amount”.
The price you can sell your home for including land value is not the insurance value listed on your policy.
