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Concordia County, LA Homeowners Insurance Quotes

If you own a home in Concordia County, LA you are currently paying around $169.83 per month for a standard homeowners policy. A standard HO-3 policy normally coverages your home against windstorms, lightning and fire damage. In Louisiana, your premium could be in the average rate range of $2038 per year. We like to help customers compare multiple home insurance rates all in one place. Our shopping process is a hassle free and we are here to help you review prices as well as coverage options that best fit your financial needs. You may want the lowest price but it is important to email or speak with us when it comes to cost versus coverage. Our consulting process if free and we can first review up to 12 major carriers with competitive rates in your area. Next, we can compare rate and coverage options. And last we can help you review enhanced coverage options like wind/hail or flood and include any homeowners insurance discounts that may apply to help you save more money on your home insurance needs.

For all Concordia County, LA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Concordia County? Simply enter your zip code to get your Louisiana homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Concordia County, LA Housing Demographics

With 20,822 residents living within the Concordia County area there are over 9,383 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 5,263 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Concordia County.

DemographicValues
Total Occupied Households7,613
Family Households (families)5,263
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units9,383

Concordia County, LA Home Insurance Average Premiums

Local Concordia, LA homeowners insurance quotes comparison

$1,649 /yr.

Louisiana's Average Home Insurance Rates Overall

For the state of Louisiana, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 3 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$1074 /yr.
Current Average Cost:$1,649 /yr.
Maximum Range:$2038 /yr.

Louisiana Homeowners Insurance News & Information

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

Discounts For Homeowners in Concordia County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Louisiana homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Concordia County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Concordia County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Concordia County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Concordia County Housing & Real Estate Data

Details:Statistics
Total Housing Units9383
Occupied Housing Units7613
Vacant Housing Units1770
Vacant Housing Units for Rent135
Vacant Housing Units Rented Not Occupied21
Vacant Housing Units For Sale85
Vacant Housing Units Sold Not Occupied29
Vacant Housing Units For Seasonal Occasional Use918
Vacant Housing Units All Other Vacants582
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent6
Housing Tenure Occupied Units7613
Housing Tenure Occupied Units Owner Occupied5526
Housing Tenure Occupied Units Owner Occupied Population13976
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied2087
Housing Tenure Occupied Units Renter Occupied Population5361
Housing Tenure Occupied Units Renter Occupied Average Household Size3