Jena, LA Homeowners Insurance Rate Quotes!
Did you know that Jena homeowners are discovering how easy it is to get multiple rates online with GetHomeInsuranceQuotes.com? Our service provides a quoting application that quickly helps you enter the home details and information needed for us to generate up to 12 competitive home insurance rates. We understand that you don't have a lot of time to shop every insurance agency available that offers the best rates and coverages in Louisiana. This is why our top-notch quoting services conveniently compare rates, coverages and discount options. We already know which home insurance companies are most competitive in your area and we are here to help you pick the best one based on price and coverage.
Since 2009, our LA agency strived to put the needs of the customer first allowing homeowners like yourself living in Jena to quickly get the home insurance policy you need. Maybe you are shopping today because of unexpected rate increases in the Jena area or maybe you are moving into a new home.
For fast home insurance rates for your home in Jena, LA, please enter your zip code. The process only takes a few minutes to complete. Get home insurance quotes today or give us a call now at 1-855-976-2656!
Jena, LA Market Data
| Source | Value |
|---|---|
| Location: | Jena, LA (LA SALLE County) |
| Population: | 45,198 |
| Occupied Residents: | 16,866 |
| Average Real Estate Value Per Zip Code: | $117,400 |
Average Home Insurance Rates in Jena
Below are some helpful resources about Jena home insurance prices.
- What do homeowners in Jena pay for home insurance on average? As low as $1,266.00 up to $1,816.00 per year on average.
- What can I expect to pay per month for home insurance in Jena? About $126.00 per month
- What do most homeowners pay on average? Currently, the national average is around $1,311.00 per year.
The average home insurance rates in Jena, LA are based on state "averages" which only includes an HO-3 home insurance package policies for homes that are currently occupied. Our quoting service is offered online or over the phone, we can help you find cheaper rates by comparing companies, coverage options and discounts.
Learn More About Home Insurance in Your Area
If you are a homeowner and you are looking to update your policy because of price, company or coverage, it's important to learn more about home insurance so you can get the best policy for you.
- Free Home Replacement Cost Value Calculator
- What does a replacement cost coverage and actual cash value mean for my home?
- This home insurance calculator will calculate your dwelling coverage for your home in Jena, LA so you know what type of home insurance coverage you need to cover your replacement cost.
- What are the homeowners insurance discounts available to homeowners living in Louisiana?
- Here are the top 3 home insurance credits available to homeowners.
Compare Homeowners Insurance Rates in Jena, LA!
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Average Rates Nearby Jena
Are you looking for homeowners insurance in a city near Jena? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
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Home Insurance Rates by Zipcode in Jena, LA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Jena.
Jena, LA Home Insurance Average Premiums
$1266 /yr.
For the city of Jena, 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) | $1266 /yr. |
| Average Coverage: | $1516 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1816 /yr. |
What is the average home insurance cost for a home in Jena, LA?
- • The average homeowners insurance premium paid annually for a home in Jena is around $1516 per year.
What does it cost on average per month for home insurance in Jena, LA?
- • Homeowners in Jena pay an average cost per month around $126.00 for insurance coverage.
Jena, LA - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $120,407 | $120,321 |
| February | $123,158 | $120,912 |
| March | $126,711 | $121,236 |
| April | $128,450 | $122,001 |
Homeowners insurance will help cover the cost to repair or replace your Jena home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Jena
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Jena, LA homeowners insurance rates all in one place! |
Saving Money Tips on Jena Home Insurance
A great way to save money on Jena homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Jena area? Check out what homeowners are paying on average for Louisiana homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 154 ft. | This is the average home elevation in Jena, LA | Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Louisiana flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954. |
To get online quotes on your home and compare rates on home insurance premiums in Jena, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in La Salle County.
Louisiana Homeowners Insurance News & Information
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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 […]
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North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
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Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]
Jena, LA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Jena so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Jena, LA?
- The average square footage in Jena is around 962 Sq. Ft. which would cost you around $117,400 to replace the home if you base the home on the price to build per square foot of $122.
Minimum Replacement Cost Total: $117,400
Location: Jena, Louisiana (La Salle County)
Average Building Cost Per Square Foot in Jena: $122 (low end)
Average Square Footage in Jena: 962 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $122 | $117,400 |
| Some Additional Upgrades | $153 | $146,750 |
| Major Home Updates or Advancements | $183 | $176,100 |
The dwelling coverage is calculated by the average cost per square foot ($122) in Jena, Louisiana times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $381,250 (Media price to build of $153 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.