New Orleans, LA Homeowners Insurance Rate Quotes!

Did you know New Orleans, LA homeowners are now finding easier ways to compare home insurance rates online. At GetHomeInsuranceQuotes.com, we provide superior service when it comes to taking care of your insurance needs. Our online quoting application process has been trusted by thousands of homeowners like you who want a quick way to review and compare rates without any hassle. Our Louisiana licensed homeowners insurance professionals are here to help you compare multiple options and our convenient service allows us to answer the questions that you need to get the right coverage at the most affordable price. We provide the best rates from up to 12 or more different carriers that are all highly rated by A.M Best and we shop the policy with you so you know which New Orleans insurance policy is best for you. Start your quote today by entering your New Orleans zip code for the home you would like to insure!

Average New Orleans Homeowners Insurance Premiums

Right now residence of New Orleans are paying on average around $132 per month which most homeowners pay annually for homeowners insurance so you are looking to pay around $1,585 per year. If we can help you shop rates and apply discounts and credits, premiums can range from cheaper prices around $1,335 per year to upwards of $1,885 a year depending on the overall replacement cost coverage amount needed to rebuild your home if a major peril were to occur. Insurance coverage on a home can be complicated, but we try to help make the shopping easy.

When it comes to homeowners insurance there are a number of different types that are designed to cover the specific type of housing you call home. Here are just a few home insurance coverage types available in New Orleans:

• HO-3: A HO-3 policy is the most common type of homeowners insurance being written today. It offers coverage for all perils, excepting those that are specifically named in the policy as exclusions. Most policies for the city of New Orleans have a number of exclusions but the most common ones are flooding and earthquake damage.
• HO-5: The HO-5 is considered a premium policy and offers broader coverage than the HO-3. It covers your home, other structures, loss of use and your personal belongings as an “all perils” policy, which means that you are covered from everything except exclusions listed in the policy. The big difference is that all of your personal property is covered under the all perils coverage while a HO-3 limits property damage coverage to specially named perils. HO-5 policies can be significantly more expensive.
• H0-6: This type of policy is specifically written to cover people who live in a condo or a co-op building. This policy type will protect your belongings as well as any structural components of the building that you actually own. The walls of your condo or apartment are examples. HO-6 policies are listed perils policies which means they only cover the perils listed on the policy.

Facts About New Orleans Louisiana

The city of New Orleans Louisiana currently has 343,829 residents that call it home. This number translates into 8,809 households in the area and each household has about 3 people. The median household income is $46,156, which is very close to the national median and home prices in New Orleans average $257,885 making it a very affordable city to buy a house.

New Orleans, LA Housing Demographics

The city of New Orleans in Louisiana is roughly around 343,829 residents in population size with 142158 occupied homes within the city of New Orleans. The average family household in New Orleans is 76643.

Compare Homeowners Insurance Rates in New Orleans, LA!

Average Rates Nearby New Orleans

Are you looking for homeowners insurance in a city near New Orleans? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in New Orleans, LA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in New Orleans.

70112,     70113,     70114,     70115,     70116,     70117,     70118,     70119,     70121,     70122,     70123,     70124,     70125,     70126,     70127,     70128,     70129,     70130,     70131,     

Homeowners insurance will help cover the cost to repair or replace your New Orleans 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 New Orleans
• 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.

Saving Money Tips on New Orleans Home Insurance

A great way to save money on New Orleans 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 New Orleans area? Check out what homeowners are paying on average for Louisiana homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in New Orleans, 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 Orleans County.

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