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Reserve, LA Home Insurance Rates - What Drives It?

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

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Reserve 2 Beds, 1 Bath, 1100 sqft $93,000 $77
Morgan City 2 Beds, 1 Bath, 1,090 sqft $64,000 $74
Houma 2 Beds, 1 Bath, 1,720 sqft $186,000 $154
Paincourtville 2 Beds, 1 Bath, 1,740 sqft $110,000 $100
North Vacherie 2 Beds, 1 Bath, 1,380 sqft $147,000 $182
Belle Rose 3 Beds, 1 Bath, 1,280 sqft $101,000 $121
Old Jefferson 2 Beds, 1 Bath, 1,780 sqft $161,000 $113
Donaldsonville 3 Beds, 2 Baths, 2,050 sqft $168,000 $129
Central 2 Beds, 1 Bath, 1,210 sqft $85,000 $67
Slidell 2 Beds, 1 Bath, 1,290 sqft $69,000 $120
Bayou Cane 2 Beds, 1 Bath, 1,280 sqft $70,000 $95
Timberlane 3 Beds, 2 Baths, 1,840 sqft $143,000 $224
Elmwood 3 Beds, 2 Baths, 1,870 sqft $142,000 $229
Harvey 3 Beds, 1 Bath, 1,360 sqft $66,000 $53
Pleasure Bend 3 Beds, 2 Baths, 1,970 sqft $152,000 $168
Garyville 3 Beds, 1 Bath, 2,240 sqft $170,000 $161
River Ridge 3 Beds, 1 Bath, 1,530 sqft $142,000 $145
New Orleans 2 Beds, 1 Bath, 970 sqft $86,000 $90
Monticello 2 Beds, 1 Bath, 970 sqft $77,000 $124
Tickfaw 3 Beds, 1 Bath, 1,960 sqft $112,000 $309
Inniswold 3 Beds, 1 Bath, 1,400 sqft $128,000 $133

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

Here are some typical claims filed in Reserve:

Claim Typical Claim Amount
FIRE $29,000
THEFT/BURGLARY $3,000
WATER DAMAGE $6,000

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

  • Travelers: Englade Boudreaux Ins Agy Inc, 1891 cabanose st, Lutcher, LA, 70071 (225) 869-5364
  • State Farm: Chad Wood, 2301 williams blvd ste a, Kenner, LA, 70062-5863 504-469-5569
  • Allstate: Erin Knippenberg, 805 e oldtown rd ste a, Kenner, LA, 70065 (504) 469-6400
  • Liberty Mutual Independent: Riverlands Ins Services Inc, 429 w 5th st, La Place, LA, 70068 (985) 652-5505
  • Allstate: Bourg-Lanoix, 2301 texas street, Lutcher, LA, 70071 (225) 869-5438

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed 750-799 Credit Score No Income No Pets, Smoker $140
Full Time Job 500-549 Credit Score $75 to $100,000 More than 3 Pets at home, Smoker $450
Retired 700-749 Credit Score <$25,000 1 Pet, Non-Smoker $290