Ruston Homeowners Insurance Guide

With more than 22,000 residents, Ruston is the largest city found in the Ark-La-Tex region and the Lincoln Parish seat. But the city is probably best known as the Peach Capital of Louisiana, and its annual Peach Festival attracts people from all over the state.

Even though Ruston is located inland, it still finds itself in the path of hurricanes and major storms. If you’re the owner of one of the 7,900 households in the city, you need to make sure that you have good Louisiana homeowners insurance.

Ruston homeowners insurance cost

Louisiana is one of the most expensive states in the country for home insurance states. The average annual premium across the state is $2,037, but homeowners in some cities like New Orleans can pay more than $4,000 per year.

Fortunately, Ruston’s location means it faces fewer named storms every year, so its home insurance premiums tend to be lower. Our most recent data shows homeowners in Ruston can get coverage for as low as $1,800 per year.

The lower cost is largely because Ruston is so far from the Gulf Coast. But location is only one of several factors that go into the cost of home insurance. Others include your home’s:

• Square footage.
• Building materials.
• Proximity to risks.

Age can also play a role. Insurers see newer homes as less risky to insure because they meet newer building codes. This usually translates into lower premiums.

The policies you can purchase through Kin* have rates based on thousands of data points to determine our policy rates. This often means their costs reflect the true risk your home faces.

What Ruston homeowners insurance covers

You need to make sure that your homeowners insurance covers your risks. Buying a policy through Kin typically gets you six common coverages:

• Replacement-cost dwelling coverage. This helps pay for repairs to your home if it’s damaged by covered perils.
• Other structures coverage. If you have structures that aren’t attached to your home, such as gazebos or sheds, this coverage may help you cover the cost of repairing them.
• Personal property coverage. The contents of your home, including items like electronics, appliances, and clothing, may be covered under personal property insurance.
• Loss of use coverage. If a covered peril causes your home to be uninhabitable, loss of use coverage can help with the cost of additional living expenses.
• Personal liability coverage. This coverage helps pay your legal expenses and costs if you’re accused of causing someone’s injuries or property damage
• Medical payments coverage. If a guest is injured on your property, your policy’s medical payments coverage can help with their medical care.

Policies purchased from Kin cover damage caused by windstorms. If the damage is caused by a named storm, like a hurricane, then a separate hurricane deductible applies. Water damage from a hurricane, however, is usually not covered and may require a separate flood insurance policy.

Unique risks for Ruston homeowners

Ruston has experienced 27 hurricanes since 1930, but is overall considered a low risk area because it’s so far inland. That doesn’t mean that it won’t get drenched in rain or suffer other damages when a hurricane hits the southern part of the state and moves inland.

Rustin is also just 331 feet above sea level. That’s not the lowest elevation in Louisiana, but it does put residents who live in low-lying areas of the city at risk for flood. Homeowners should check the floodplain map to see if their home sits in a known flood zone. Plus Ruston has four major creek basins . Those who live near these creek basins are at further risk of flooding when heavy rains pelt the city.

Tips for lowering Ruston home insurance costs

Ruston homeowners may be able to get a discount when they:

• Reduce their chance of wind damage.
• Buy a home.
• Have a clean claims history.
• Manage their policy completely online.

Another way to save on premium is to select a higher deductible. Just keep in mind that a higher deductible means you will be responsible for covering more costs during a claim so you want to be sure you can afford it. For Ruston homeowners insurance, we offer both hurricane and AOP deductibles of:

• $500.
• $1,000.
• $2,500.
• $5,000.
• $7,500.
• $10,000.
• Or 1%, 2%, 3%, 4%, 5%, or 10% of Coverage A.

Want to learn more about Ruston homeowners insurance? Our representatives are happy to help with more information or a quote. Enter your address or call us at 855-717-0022.

*Kin is Kin Insurance Network Distributor, LLC, a licensed surplus lines producer.