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71405 Homeowners Insurance Quotes & Rates

Ball residents living within the 2,207 homes available in the zip code of 71405 are shopping online to compare cheaper and more affordable Ball, LA home insurance rates. In the great city of Ball, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Louisiana is around $1,565 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 71405 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 71405 home insurance rates today! Please give us a call now at 1-855-976-2656. For Ball, LA Homeowners Insurance Quotes, Click to easily get started!

71405 Home Insurance Average Premiums

Local 71405 homeowners insurance quotes comparison

$1315 /yr.

Shows Zip Code: 71405 lowest rates with discounts applied on average.

For the 71405, 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)
$1315 /yr.
Average Coverage:$1565 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1865 /yr.

What is the average home insurance cost for a home in 71405?

  • • The average homeowners insurance premium paid annually for a home in 71405 is around $1565 per year.

What does it cost on average per month for home insurance in 71405?

  • • Homeowners in 71405 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 71405?

  • • Autoowners in 71405 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 Ball area, check out other zip codes nearby 71405.
Review average rates in another zip code:
71405 homeowners insurance rates

Home Replacement Cost Coverage in 71405

Average Building Cost Per Square Foot in 71405: $122

Location: Ball, Louisiana (Rapides County)

Average Square Footage in 71405: 1,304 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 71405 before you start any project. Ball 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 71405 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 71405 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,304 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 Ball 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$1221,304$159,100
Additional Upgrades & Added Features$1531,304$198,875
Major Home Updates or Advancements$1831,304$238,650

It's important to understand that when you estimate your replacement cost of your home in the 71405 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 71405

Best Home & Auto Insurance Agencies in 71405

Housing Demographics for 71405

Population Review for 71405 Zip Code

For the city of Ball, the population within 71405 has increased to over 5,984 residents in population size. The current population total is 5,652. We have broken down the population based on race below. In 71405, there are over 2736 in male population and 2916 females.

PopulationValues
Total Population5,652
White Population4482
Black Population612
Hispanic Population236
Asian Population33
Hawaiian Population1
Indian Population38
Other Population69
Male Population2736
Female Population2916
Population Estimate5984

Household Data for 71405

The average number of homes in 71405 is around 2,207, there are an average of 2.55 per household. The average house value according to local real estate values is around $159,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,207
Persons Per Household2.55
Average House Value$159,100
Income Per Household$65818
Median Age38.3
Median Age Male36.7
Median Age Female39.8
71405 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code318
CityBall
City Alias NameBALL
CountyRapides
County FIPS079
State FIPS22
Time Zone6
Day Light SavingY
MSA0220
PMSA
CSA
CBSA10780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAlexandria, LA
MSA_NameAlexandria, LA MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses83
Number Of Employees903
Business First Quarter Payroll6699
Business Annual Payroll31907
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population153922
CBSA Division Population0
Congressional District05
Congressional LandArea14452.88
Delivery Residential2347
Delivery Business133
Delivery Total2703
Preferred Last Line KeyY23356
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY23356
Land Area16.307000
Water Area0.018000
City Alias Code
City Mixed CaseBall
City Alias Mixed CaseBall
Box Count186
SFDU1981
MFDU0
State ANSI22
County ANSI079
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number210520
Unique ZIP Name
SSA State County Code19390
Medicare CBSA Code10780
Medicare CBSA NameAlexandria, LA
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseRapides

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 […]