Sitting along the northern border of Lake Pontchartrain, Mandeville has a population of just over 13,000 people, many of whom love the area’s abundant natural beauty. Residents can often be found biking or hiking along Tammany Trace or fishing off Sunset Point.
The town’s scenic location, however, can spell trouble for the nearly 65% of residents who own homes. Heavy rains and hurricane-force winds have caused serious damage in the recent past, and that makes the right Louisiana homeowners insurance essential. But it can also make coverage expensive.
Mandeville home insurance costs
At an annual average of $2,037, Louisiana has some of the highest homeowners insurance premiums in the country﹘and the average premium in Mandeville is even higher than that. Our most recent data shows the typical Mandeville homeowner pays $3,235 per year.
But where you live is only one of several factors that affect your home insurance costs. Others include your home’s age and the coverage limits you select.
What makes Kin* different is that we look at these and thousands of other data points to evaluate the risk your home faces. That allows us to provide a premium that’s fair for your particular situation. The average Mandeville Kin customer pays just $1,715 annually.
Homeowners insurance in Mandeville, LA: Coverage overview
Homeowners insurance in Mandeville typically includes :
Mandeville home policies almost always cover damage caused by wind; although, most have a hurricane deductible. But water damage is a different story. Home insurance usually pays claims over burst pipes and other internal water sources, but storm surge is often excluded. That makes flood insurance key for most of the homeowners in Mandeville.
Mandeville’s unique risks
Mandeville is just north of New Orleans, which means it’s in the same path of many of the hurricanes and major storms that hit the Big Easy. While being inland does help, it isn’t far enough to dramatically reduce the effects of wind and rain in the area. This is one of the reasons that homeowners insurance is so expensive there.
Mandeville’s location on Lake Pontchartrain also increases the risk of flooding in the area. Flood maps show much of Mandeville in Flood Zone X, which has just a moderate risk for floods, but there are large sections of the town in Flood Zones VE and AE. Houses in both of these zones typically have to get flood insurance.
Tips for lowering Mandeville homeowners insurance costs
Mandeville homeowners may be eligible for a discount when they:
Another way to keep costs down is to increase your deductible. Policies through Kin have the following AOP 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
Remember that the deductible is your portion of a claim, so make sure that you pick an amount you’re comfortable paying. If you have any questions about getting homeowners insurance in Mandeville or would like a quote, enter your address or call us at 855-717-0022.
*Kin is Kin Insurance Network Distributor, LLC, a licensed surplus lines producer.
