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71227 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 71227 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Choudrant, LA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 71227.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 71227 and start shopping.

Quickly and Easily Compare Average Rates for 71227

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Choudrant, LA home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 71227

Homeowners in Choudrant are paying roughly $1555 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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71227 Home Insurance Average Premiums

Local 71227 homeowners insurance quotes comparison

$1305 /yr.

Shows Zip Code: 71227 lowest rates with discounts applied on average.

For the 71227, 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)		$1305 /yr.
Average Coverage:$1555 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1855 /yr.

What is the average home insurance cost for a home in 71227?

  • • The average homeowners insurance premium paid annually for a home in 71227 is around $1555 per year.

What does it cost on average per month for home insurance in 71227?

  • • Homeowners in 71227 pay a monthly average cost per month around $130.00.

What kind of discount could I get if I combine my home and auto insurance together in 71227?

  • • Autoowners in 71227 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 Choudrant area, check out other zip codes nearby 71227.
Review average rates in another zip code:
71227 homeowners insurance rates

Home Replacement Cost Coverage in 71227

Average Building Cost Per Square Foot in 71227: $122

Location: Choudrant, Louisiana (Lincoln County)

Average Square Footage in 71227: 1,152 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 71227 before you start any project. Choudrant 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 71227 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 71227 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,152 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 Choudrant 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$1221,152$140,500
Additional Upgrades & Added Features$1531,152$175,625
Major Home Updates or Advancements$1831,152$210,750

It's important to understand that when you estimate your replacement cost of your home in the 71227 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 71227

Best Home & Auto Insurance Agencies in 71227

Housing Demographics for 71227

Population Review for 71227 Zip Code

For the city of Choudrant, the population within 71227 has increased to over 4,668 residents in population size. The current population total is 4,127. We have broken down the population based on race below. In 71227, there are over 2013 in male population and 2114 females.

PopulationValues
Total Population4,127
White Population3505
Black Population319
Hispanic Population149
Asian Population22
Hawaiian Population0
Indian Population18
Other Population68
Male Population2013
Female Population2114
Population Estimate4668

Household Data for 71227

The average number of homes in 71227 is around 1,623, there are an average of 2.54 per household. The average house value according to local real estate values is around $140,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,623
Persons Per Household2.54
Average House Value$140,500
Income Per Household$51175
Median Age38.9
Median Age Male37.1
Median Age Female40.6
71227 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code318
CityChoudrant
City Alias NameCHOUDRANT
CountyLincoln
County FIPS061
State FIPS22
Time Zone6
Day Light SavingY
MSA
PMSA
CSA384
CBSA40820
CBSA_DIV
CBSA_TypeMicro
CBSA_NameRuston, LA
MSA_Name
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses64
Number Of Employees416
Business First Quarter Payroll3031
Business Annual Payroll13976
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population63009
CBSA Division Population0
Congressional District04|05
Congressional LandArea12435.1|14452.88
Delivery Residential1838
Delivery Business43
Delivery Total2033
Preferred Last Line KeyY23537
Classification Code
Multi-CountyY
CSA NameMonroe-Ruston, LA
CBSA_DIV_Name
City State KeyY23537
Land Area115.288000
Water Area0.300000
City Alias Code
City Mixed CaseChoudrant
City Alias Mixed CaseChoudrant
Box Count110
SFDU1838
MFDU0
State ANSI22
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number211690
Unique ZIP Name
SSA State County Code19300
Medicare CBSA Code99919
Medicare CBSA NameRural Areas in LA
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseLincoln

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 […]