Amite City may be small, but its 4,000 and some residents know how to have fun. Between the Oyster Festival in March and October’s Tangipahoa Parish Fair, Amite City residents can enjoy the good times and great food the Pelican State is Famous for.
However, this small town also lies in the path of many of the storms that hit its big city neighbors, and that makes homeowners insurance in Amite City, LA absolutely essential. Unfortunately, it can also make coverage expensive.
How much is home insurance in Amite City
Louisiana is no stranger to high home insurance costs. With an average annual premium of $2,259, it has some of the most expensive coverage in the nation. Considering Amite City’s proximity to the coast, where hurricane activity is often most severe, it’s not unreasonable to expect that many of its homeowners may pay more than this statewide average.
Thankfully, we’re in the business of saving homeowners money on insurance.
How to save money with Kin**
Amite City homeowners who place coverage through Kin often save on their insurance through discounts. Many see lower premiums when they:
Another option? Increasing your deductibles. This strategy works because you assume more risk in a claim so the insurance company lowers your premium. However, you need to choose a deductible you can afford if you experience a loss.
The policies available through Kin have the following standard and hurricane deductibles:
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$500
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$1,000
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$2,500
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$5,000
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$7,500
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$10,000
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Or 1%, 2%, 3%, 4%, 5%, or 10% of Coverage A.
Be thoughtful about picking your deductibles. You want to be sure it’s an amount you can afford even in a catastrophe.
Unique risks in Amite City
To say Amite City faces a hurricane risk is an understatement. The most recent example is Hurricane Ida in 2021, when authorities declared a state of emergency and a curfew to protect the town’s residents. But Ida was just the latest in a long list of hurricanes and tropical storms that have passed through Amite City stretching back to the 1930s.
Amite City also averages 65 inches of rain every year, more than the national average, and that puts parts of the town at risk for flooding. While the Amite City flood map shows most of the town in Flood Zone X, there are some areas designated as Flood Zone A.
Please note: Home insurance doesn’t cover water damage caused by floods. You may want to investigate flood coverage to better protect your property.
Frequently asked questions about Louisiana home insurance
We’ve written several guides to help homeowners understand their home insurance policies. Check out these links to find answers to some of the most frequently asked questions:
Resources for Amite City homeowners
Homeowners insurance guides for nearby cities
How to get home insurance in Amite City
If you have any questions about getting insured in Amite City or would like a quote, enter your address or call us at 855-717-0022.
**In Louisiana, we offer coverage through Kin Interinsurance Network. Our producer is Kin Insurance Network Distributor (KIND), LLC, and our license number is 908208. In Louisiana, we are an excess and surplus producer.
