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70043 Home Insurance Quotes, Rates & Coverage
Are you looking for the right homeowners insurance policy at an affordable price for your home in 70043? There are over 8,017 occupied homes in the 70043 area. With a population size of 21,596, it's not uncommon for residence of Chalmette, LA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Louisiana is around $1,512 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 70043 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.
For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Chalmette, LA Home Insurance Rate Quotes
70043 Home Insurance Average Premiums
$1262 /yr.
Shows Zip Code: 70043 lowest rates with discounts applied on average.
For the 70043, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $1262 /yr. |
| Average Coverage: | $1512 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1812 /yr. |
What is the average home insurance cost for a home in 70043?
- • The average homeowners insurance premium paid annually for a home in 70043 is around $1512 per year.
What does it cost on average per month for home insurance in 70043?
- • Homeowners in 70043 pay a monthly average cost per month around $126.00.
What kind of discount could I get if I combine my home and auto insurance together in 70043?
- • Autoowners in 70043 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Chalmette area, check out other zip codes nearby 70043.
Review average rates in another zip code:
70043 homeowners insurance rates
Home Replacement Cost Coverage in 70043
Average Building Cost Per Square Foot in 70043: $122
Location: Chalmette, Louisiana (Saint Bernard County)Average Square Footage in 70043: 1,344 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 70043 before you start any project. Chalmette homeowners pay on average around $122 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 70043 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 70043 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,344 sq. ft. and the average cost to rebuild the home in this area is around $122 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Chalmette area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $122 | 1,344 | $164,000 |
| Additional Upgrades & Added Features | $153 | 1,344 | $205,000 |
| Major Home Updates or Advancements | $183 | 1,344 | $246,000 |
It's important to understand that when you estimate your replacement cost of your home in the 70043 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 70043
Best Home & Auto Insurance Agencies in 70043
Direct General Insurance Agency Inc - Chalmette
Address: 314 W Judge Perez Dr Chalmette, LA 70043Phone:
Website: http://www.direct-general.com
Info:
Allstate Insurance Company - Frank Capella
Address: 322 West Judge Perez Drive Chalmette, LA 70043Phone:
Website: http://www.allstateagencies.com/058712?cid=OTC-YP.com-IYP&att=TL
Info:
Nunez Insurance Agency
Address: 2016 Pakenham Dr Chalmette, LA 70043Phone:
Website:
Info:
Schaumburg- Edward John
Address: 2006 Pakenham Dr Chalmette, LA 70043Phone:
Website:
Info:
Gallodoro Insurance Agencies Inc
Address: 9220 W Judge Perez Dr Chalmette, LA 70043Phone:
Website: http://www.stbernardyp.com/gallodoro
Info:
Housing Demographics for 70043
Population Review for 70043 Zip Code
For the city of Chalmette, the population within 70043 has increased to over 23,981 residents in population size. The current population total is 21,596. We have broken down the population based on race below. In 70043, there are over 10499 in male population and 11097 females.
| Population | Values |
|---|---|
| Total Population | 21,596 |
| White Population | 11600 |
| Black Population | 5656 |
| Hispanic Population | 3244 |
| Asian Population | 650 |
| Hawaiian Population | 8 |
| Indian Population | 164 |
| Other Population | 1435 |
| Male Population | 10499 |
| Female Population | 11097 |
| Population Estimate | 23981 |
Household Data for 70043
The average number of homes in 70043 is around 8,017, there are an average of 2.67 per household. The average house value according to local real estate values is around $164,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 8,017 |
| Persons Per Household | 2.67 |
| Average House Value | $164,000 |
| Income Per Household | $49047 |
| Median Age | 33.4 |
| Median Age Male | 33.0 |
| Median Age Female | 33.7 |
| 70043 Details | Values |
|---|---|
| State | LA |
| State Full Name | Louisiana |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 504 |
| City | Chalmette |
| City Alias Name | CHALMETTE |
| County | Saint Bernard |
| County FIPS | 087 |
| State FIPS | 22 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 5560 |
| PMSA | |
| CSA | 406 |
| CBSA | 35380 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | New Orleans-Metairie, LA |
| MSA_Name | New Orleans, LA MSA |
| PMSA_Name | |
| Region | South |
| Division | West South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 464 |
| Number Of Employees | 5094 |
| Business First Quarter Payroll | 52416 |
| Business Annual Payroll | 238847 |
| Business Employment Flag | |
| Growth Rank | 2 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 3661 |
| Growth Increase Percentage | 10.2 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 1167764 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 4030.23 |
| Delivery Residential | 8982 |
| Delivery Business | 932 |
| Delivery Total | 9831 |
| Preferred Last Line Key | Y23517 |
| Classification Code | |
| Multi-County | |
| CSA Name | New Orleans-Metairie-Slidell, LA-MS |
| CBSA_DIV_Name | |
| City State Key | Y23517 |
| Land Area | 9.133000 |
| Water Area | 3.425000 |
| City Alias Code | |
| City Mixed Case | Chalmette |
| City Alias Mixed Case | Chalmette |
| Box Count | 0 |
| SFDU | 8008 |
| MFDU | 324 |
| State ANSI | 22 |
| County ANSI | 087 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 211534 |
| Unique ZIP Name | |
| SSA State County Code | 19430 |
| Medicare CBSA Code | 35380 |
| Medicare CBSA Name | New Orleans-Metairie, LA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Saint Bernard |
Louisiana Homeowners Insurance News & Information
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According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]