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Are you paying too much for homeowners insurance in 71427? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Flatwoods, LA that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Louisiana licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 71427?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 71427 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 71427 and get ready to save.

3 Easy Ways To Save Money In 71427

These three links will help you explore home insurance quotes in 71427 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 71427 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Flatwoods is roughly $1522. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

Get 71427 Homeowners Insurance Rates Right Now!

71427 Home Insurance Average Premiums

Local 71427 homeowners insurance quotes comparison

$1272 /yr.

Shows Zip Code: 71427 lowest rates with discounts applied on average.

For the 71427, 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)
$1272 /yr.
Average Coverage:$1522 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1822 /yr.

What is the average home insurance cost for a home in 71427?

  • • The average homeowners insurance premium paid annually for a home in 71427 is around $1522 per year.

What does it cost on average per month for home insurance in 71427?

  • • Homeowners in 71427 pay a monthly average cost per month around $127.00.

What kind of discount could I get if I combine my home and auto insurance together in 71427?

  • • Autoowners in 71427 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 Flatwoods area, check out other zip codes nearby 71427.
Review average rates in another zip code:
71427 homeowners insurance rates

Home Replacement Cost Coverage in 71427

Average Building Cost Per Square Foot in 71427: $122

Location: Flatwoods, Louisiana (Rapides County)

Average Square Footage in 71427: 507 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 71427 before you start any project. Flatwoods 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 71427 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 71427 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 507 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 Flatwoods 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$122507$61,900
Additional Upgrades & Added Features$153507$77,375
Major Home Updates or Advancements$183507$92,850

It's important to understand that when you estimate your replacement cost of your home in the 71427 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 71427

Best Home & Auto Insurance Agencies in 71427

Housing Demographics for 71427

Population Review for 71427 Zip Code

For the city of Flatwoods, the population within 71427 has increased to over 295 residents in population size. The current population total is 329. We have broken down the population based on race below. In 71427, there are over 155 in male population and 174 females.

PopulationValues
Total Population329
White Population292
Black Population7
Hispanic Population6
Asian Population0
Hawaiian Population0
Indian Population8
Other Population3
Male Population155
Female Population174
Population Estimate295

Household Data for 71427

The average number of homes in 71427 is around 137, there are an average of 2.40 per household. The average house value according to local real estate values is around $61,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode137
Persons Per Household2.40
Average House Value$61,900
Income Per Household$20987
Median Age48.1
Median Age Male42.9
Median Age Female51.8
71427 DetailsValues
StateLA
State Full NameLouisiana
City TypeN
City Alias Abbreviation
Area Code318
CityFlatwoods
City Alias NameFLATWOODS
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 Businesses4
Number Of Employees8
Business First Quarter Payroll67
Business Annual Payroll357
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 District04|05
Congressional LandArea12435.1|14452.88
Delivery Residential123
Delivery Business2
Delivery Total125
Preferred Last Line Key014568
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State Key014568
Land Area17.991000
Water Area0.064000
City Alias Code
City Mixed CaseFlatwoods
City Alias Mixed CaseFlatwoods
Box Count0
SFDU123
MFDU0
State ANSI22
County ANSI079
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number215265
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

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    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 […]