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Monterey, LA Home Insurance Rates - What Drives It?

The variables explained here drive your Monterey, LA Home Insurance Rates & focusing on them can qualify you for a really cheap quote.

Replacement Value of your home in Monterey, LA is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Monterey, LA & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Monterey 3 Beds, 2 Baths, 1820 sqft $157,000 $260
Evergreen 3 Beds, 2 Baths, 2,080 sqft $148,000 $162
Fifth Ward 3 Beds, 1 Bath, 1,700 sqft $111,000 $118
Prospect 2 Beds, 1 Bath, 1,400 sqft $92,000 $167
Jena 2 Beds, 1 Bath, 1,340 sqft $136,000 $157
Sicily Island 2 Beds, 1 Bath, 1,420 sqft $94,000 $105
Norwood 3 Beds, 2 Baths, 2,400 sqft $125,000 $278
Clayton 2 Beds, 1 Bath, 1,490 sqft $127,000 $86
Pineville 2 Beds, 1 Bath, 940 sqft $55,000 $60
Georgetown 3 Beds, 2 Baths, 2,340 sqft $132,000 $237
Natchez, MS 3 Beds, 1 Bath, 2,220 sqft $187,000 $134
Waterproof 3 Beds, 1 Bath, 1,630 sqft $98,000 $158
Wallace Ridge 3 Beds, 1 Bath, 1,820 sqft $196,000 $163
St. Francisville 2 Beds, 1 Bath, 910 sqft $41,000 $66
Roxie, MS 3 Beds, 1 Bath, 1,610 sqft $129,000 $192
Centreville, MS 3 Beds, 2 Baths, 1,670 sqft $111,000 $176
St. Joseph 3 Beds, 2 Baths, 1,440 sqft $95,000 $99
Ball 2 Beds, 1 Bath, 1,450 sqft $122,000 $187
Moreauville 2 Beds, 1 Bath, 1,040 sqft $77,000 $74
Pollock 3 Beds, 1 Bath, 2,260 sqft $247,000 $163
Bunkie 3 Beds, 1 Bath, 1,640 sqft $106,000 $166

If your Monterey, LA home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Monterey:

Claim Typical Claim Amount
SMOKE $14,500
FREEZING WATER (INCLUDES BURSTING PIPES) $18,000
WIND $2,000

Your Monterey, LA insurance agent (see examples below) can help with your claims.

  • Travelers: Four Rivers Insurance Agency Inc, 1203 4th street, Jonesville, LA, 71343
  • State Farm: Russ Wood, 1523 fourth st ste a, Jonesville, LA, 71343-2127 318-339-7160
  • Allstate: Clb Insurance Llc, 2005 a fourth st, Jonesville, LA, 71343 (318) 339-8513
  • Allstate: Clb Insurance Llc, 401 lynn st, Vidalia, LA, 71373 (318) 336-7272
  • Allstate: Beverley Greene, 228 john r junkin dr ste a, Natchez, MS, 39120 (601) 442-1668

Your Background Impacts Your Home Insurance Quotes

Here is a list of Monterey, LA homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 800-850 Credit Score No Income 2 Pets, Smoker $1,850
Unemployed 700-749 Credit Score <$25,000 More than 3 Pets at home, Smoker $1,030
Part Time Job 750-799 Credit Score <$25,000 No Pets, Non-Smoker $1,270