Get multiple home insurance quotes in 70655. Our licensed 70655, LA agents are ready to serve you.

70655 Home Insurance Rates

For homeowners living in 70655, the population estimates are increasing to well over 2,414 with 1,000 occupied homes within the zip code of 70655. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Oberlin have increased and the average home insurance premium is around $1,546 per year in 70655. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 70655 zip code today so we can help you find affordable Oberlin, LA home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 70655

Please select one of the three options below based on your 70655 zip code to learn more about Louisiana homeowners insurance, plus review average rates and information per state, county or city.

  1. Louisiana Homeowners Insurance Quotes
  2. Allen County, LA Home Insurance
  3. Oberlin, LA Home Insurance Quotes

70655 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 70655 zip code just got easier with GetHomeInsuranceQuotes.com of Oberlin, LA. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 70655 today and let us help you review the best home insurance quotes available for homeowners living in Oberlin.

Get 70655 Homeowners Insurance Rates Now!

70655 Home Insurance Average Premiums

Local 70655 homeowners insurance quotes comparison

$1296 /yr.

Shows Zip Code: 70655 lowest rates with discounts applied on average.

For the 70655, 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)
$1296 /yr.
Average Coverage:$1546 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1846 /yr.

What is the average home insurance cost for a home in 70655?

  • • The average homeowners insurance premium paid annually for a home in 70655 is around $1546 per year.

What does it cost on average per month for home insurance in 70655?

  • • Homeowners in 70655 pay a monthly average cost per month around $129.00.

What kind of discount could I get if I combine my home and auto insurance together in 70655?

  • • Autoowners in 70655 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 Oberlin area, check out other zip codes nearby 70655.
Review average rates in another zip code:
70655 homeowners insurance rates

Home Replacement Cost Coverage in 70655

Average Building Cost Per Square Foot in 70655: $122

Location: Oberlin, Louisiana (Allen County)

Average Square Footage in 70655: 687 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70655 before you start any project. Oberlin 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 70655 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 70655 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 687 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 Oberlin 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$122687$83,800
Additional Upgrades & Added Features$153687$104,750
Major Home Updates or Advancements$183687$125,700

It's important to understand that when you estimate your replacement cost of your home in the 70655 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 70655

Best Home & Auto Insurance Agencies in 70655

Housing Demographics for 70655

Population Review for 70655 Zip Code

For the city of Oberlin, the population within 70655 has increased to over 885 residents in population size. The current population total is 2,414. We have broken down the population based on race below. In 70655, there are over 1227 in male population and 1187 females.

PopulationValues
Total Population2,414
White Population1459
Black Population719
Hispanic Population104
Asian Population17
Hawaiian Population3
Indian Population32
Other Population72
Male Population1227
Female Population1187
Population Estimate885

Household Data for 70655

The average number of homes in 70655 is around 1,000, there are an average of 2.33 per household. The average house value according to local real estate values is around $83,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,000
Persons Per Household2.33
Average House Value$83,800
Income Per Household$49280
Median Age41.9
Median Age Male38.3
Median Age Female45.2
70655 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code337
CityOberlin
City Alias NameOBERLIN
CountyAllen
County FIPS003
State FIPS22
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses34
Number Of Employees163
Business First Quarter Payroll775
Business Annual Payroll3442
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea12435.1
Delivery Residential380
Delivery Business10
Delivery Total1225
Preferred Last Line KeyY24261
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY24261
Land Area124.815000
Water Area0.536000
City Alias Code
City Mixed CaseOberlin
City Alias Mixed CaseOberlin
Box Count773
SFDU380
MFDU0
State ANSI22
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number216734
Unique ZIP Name
SSA State County Code19010
Medicare CBSA Code99919
Medicare CBSA NameRural Areas in LA
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseAllen

Louisiana Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    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 […]