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Louisiana Local 504.348.3131

How much does Metairie Home Insurance Cost?

by Tim D'Angelo

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So what's the price of Metairie Home Insurance in Louisiana?

There are many factors that go into a home insurance premium.  Throughout the years we have helped many residents with their home insurance needs all over the state of Louisiana.  The cost of home insurance can vary not only from parish to parish but from neighbor to neighbor.

Here is a house in Metairie Zip Code 70005.   It is a brick house with a hip roof built in 1978.

Replacement Cost 240,000

Hurricane Deductible 2%

All Other Peril Deductible 1,000

Average Premium $2,894 - $4,400

If you are searching for a new home purchase in Metairie,  here are some house features you could look for that could reduce the home insurance premium.

Hip Roof Shape

- a roof where all sides slope downwards to the walls or gutters.

Brick House

-brick homes are less expensive than frame home insurance quotes

Year Built

-newer homes receive more premium credit than older ones

Monitored Burglar and Fire Alarm

-Premium credit for having both monitored

Renovated Property

-Electrical,  Plumbing,  Roof and Heating A/C

If you are interested in an older property like the one above that was built in 1978,  the Home Insurance company will rate the premium on a house built in 1978 unless the house has had recent updates to the Electrical,  Plumbing, Roof and HVAC.    You can receive up to a 10% premium credit for more recent updates. 

All the above credits are different for each home insurance company but most companies writing new policies in Metairie will give you a credit for all of the above.

If you would like to get a quote on a new house in Metairie or maybe wondering if we can help you with your home insurance renewal,   click on the quote request button below and speak with one of our representatives.

 Need a list of Home Insurance companies writing in Metairie?  Click Here

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