Homeowners Insurance in 71366

Getting the most affordable home insurance rates in 71366 just got easier for Saint Joseph, LA home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Saint Joseph. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Saint Joseph, LA Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 71366

When discussing Louisiana homeowners insurance rates, Saint Joseph residents are finding new ways to save time and money by discovering lower rates when they shop online. Louisiana may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 3. Residents that live within the 71366 zipcode are currently paying $1514 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Saint Joseph does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

Average Building Cost Per Square Foot in 71366: $122

Average Square Footage in 71366: 776 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 71366 before you start any project. Saint Joseph 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 71366 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 71366 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 776 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 Saint Joseph 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.

It's important to understand that when you estimate your replacement cost of your home in the 71366 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.

Bauerle, Chuck - Tensas Parish Farm Bureau INS

Household Data for 71366

The average number of homes in 71366 is around 708, there are an average of 2.23 per household. The average house value according to local real estate values is around $94,700. Please review the following demographics below for average income and media age.

• 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 […]