LaPlace may be just a short drive from New Orleans, but it can feel like a different world. Situated within Louisiana’s River Parishes, LaPlace is a quiet town that boasts Cajun restaurants, historic plantations, and plenty of ways to enjoy the great outdoors.
Being so close to the Gulf means LaPlace’s homeowners need to be prepared for hurricane season. That process starts with getting quality Louisiana home insurance. Finding the right policy can help protect against the financial loss that can come with major storms. Without coverage, LaPlace homeowners would be left paying for storm damage out of their own pockets.
Unfortunately, getting the coverage they need at an affordable price isn’t always easy for LaPlace homeowners. Let’s take a look at why that is and how Kin* can help.
How much does home insurance in LaPlace cost?
Unfortunately, the cost of home insurance in the Pelican State is notoriously high. The average Louisianan pays over $2,000 per year to insure their home.
And that’s just the average. Many LaPlace homeowners could easily pay more because of the town’s proximity to the Gulf.
But location is only one factor in how much homeowners insurance in LaPlace, LA costs. Insurance companies weigh several factors to set premiums, including your home’s:
- Square footage.
- Age.
- Construction materials and frame type.
- Amenities, like swimming pools or garages.
- Value.
The policies available through Kin are priced using granular insurance data. As a result, the premiums are based on your home’s specific risks – not just the risks for your area. Even better, a more accurate premium can mean savings for you.
What does LaPlace homeowners insurance cover?
Homeowners insurance in LaPlace, LA helps you recover from financial loss when your home or its contents are damaged by covered perils. Standard policies have six main coverages that may kick in depending on what’s been damaged. These coverage are:
Policies through Kin include hurricane insurance. However, LaPlace homeowners will need to select a hurricane deductible that applies to wind damage caused by a named storm. Flood damage during a hurricane is not covered by standard home insurance. For that, you’ll need additional flood insurance.
Unique risks for LaPlace, LA homeowners
LaPlace has seen its fair share of hurricanes, but Hurricane Ida in 2021 was something more. The storm ripped through the town with added power, leaving many homes with significant damage. Sadly, climate change is causing more frequent and more severe hurricanes throughout Hurricane Alley.
Flooding is another concern for LaPlace homeowners. A review of LaPlace flood maps much of the area is surrounded by Flood Zone AE, an area where flood insurance is often required in order to get a federally backed mortgage.
LaPlace residents also face more risk for tornadoes, as evidenced by the string of twisters that wreaked havoc in the area in the spring of 2016. Tornadoes are becoming more common in the area as Tornado Alley shifts.
Tips for lowering LaPlace home insurance costs
Insurance can be expensive for LaPlace residents, so it’s important to look at ways to control your costs. One option is to ask about discounts. Homeowners who purchase policies through Kin have earned discounts for:
Another way to save on homeowners insurance is to raise your deductible. This is a strategy that you need to go into with eyes wide open because you don’t want to choose a deductible that you can’t afford if you have a claim.
Policies via Kin offer the following standard and hurricane deductibles:
- $500
- $1,000
- $2,500
- $5,000
- $7,500
- $10,000
- Or 1%, 2%, 3%, 4%, 5%, or 10% of Coverage A
If you still have questions about homeowners insurance in LaPlace, LA, give us a call at 855-216-7674. But if you’re ready to get a quote, go ahead and enter your address to get started.
*Kin is Kin Insurance Network Distributor, LLC, a licensed surplus lines producer.
