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Homeowners Insurance coverage in 71225

If you are a homeowner in 71225 or Calhoun, LA you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Calhoun.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 71225.

Learn more about our homeowners insurance shopping service by selecting the best Calhoun, LA Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 71225?

Residents of Calhoun have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Louisiana? While Louisiana is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Louisiana comes in at 3 in the country for homeowners insurance premiums.

If you are living in 71225 zipcode, expect to pay around $1470 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Calhoun does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

71225 Home Insurance Average Premiums

Local 71225 homeowners insurance quotes comparison

$1220 /yr.

Shows Zip Code: 71225 lowest rates with discounts applied on average.

For the 71225, 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)
$1220 /yr.
Average Coverage:$1470 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1770 /yr.

What is the average home insurance cost for a home in 71225?

  • • The average homeowners insurance premium paid annually for a home in 71225 is around $1470 per year.

What does it cost on average per month for home insurance in 71225?

  • • Homeowners in 71225 pay a monthly average cost per month around $123.00.

What kind of discount could I get if I combine my home and auto insurance together in 71225?

  • • Autoowners in 71225 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 Calhoun area, check out other zip codes nearby 71225.
Review average rates in another zip code:
71225 homeowners insurance rates

Home Replacement Cost Coverage in 71225

Average Building Cost Per Square Foot in 71225: $122

Location: Calhoun, Louisiana (Ouachita County)

Average Square Footage in 71225: 1,782 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 71225 before you start any project. Calhoun 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 71225 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 71225 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,782 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 Calhoun 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$1221,782$217,400
Additional Upgrades & Added Features$1531,782$271,750
Major Home Updates or Advancements$1831,782$326,100

It's important to understand that when you estimate your replacement cost of your home in the 71225 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 71225

Best Home & Auto Insurance Agencies in 71225

Housing Demographics for 71225

Population Review for 71225 Zip Code

For the city of Calhoun, the population within 71225 has increased to over 8,975 residents in population size. The current population total is 8,179. We have broken down the population based on race below. In 71225, there are over 3962 in male population and 4217 females.

PopulationValues
Total Population8,179
White Population7267
Black Population382
Hispanic Population148
Asian Population29
Hawaiian Population0
Indian Population25
Other Population46
Male Population3962
Female Population4217
Population Estimate8975

Household Data for 71225

The average number of homes in 71225 is around 3,150, there are an average of 2.60 per household. The average house value according to local real estate values is around $217,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,150
Persons Per Household2.60
Average House Value$217,400
Income Per Household$72951
Median Age37.9
Median Age Male37.0
Median Age Female38.7
71225 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code318
CityCalhoun
City Alias NameCALHOUN
CountyOuachita
County FIPS073
State FIPS22
Time Zone6
Day Light SavingY
MSA5200
PMSA
CSA384
CBSA33740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameMonroe, LA
MSA_NameMonroe, LA MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses123
Number Of Employees813
Business First Quarter Payroll5000
Business Annual Payroll23485
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population176441
CBSA Division Population0
Congressional District05
Congressional LandArea14452.88
Delivery Residential3452
Delivery Business77
Delivery Total3853
Preferred Last Line KeyY23477
Classification Code
Multi-County
CSA NameMonroe-Ruston, LA
CBSA_DIV_Name
City State KeyY23477
Land Area59.866000
Water Area0.085000
City Alias Code
City Mixed CaseCalhoun
City Alias Mixed CaseCalhoun
Box Count244
SFDU3073
MFDU0
State ANSI22
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number211339
Unique ZIP Name
SSA State County Code19360
Medicare CBSA Code33740
Medicare CBSA NameMonroe, LA
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseOuachita

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 […]