West Monroe homeowners insurance guide

Protect your West Monroe home. Get a quote today.

Nestled along the Ouachita river, West Monroe is a family-oriented city that a growing number of Louisianians call home. It’s little wonder, too, considering the town’s dedication to providing green spaces for its residents and maintaining the area’s nature trails.

Because West Monroe is located inland, it isn’t as much of a target for hurricanes as other popular Louisiana cities. That’s good news for the 5,600 households that may need Louisiana homeowners insurance because it helps keep premiums down in a state that’s known for high premiums. But don’t be fooled. Hurricanes can still wreak havoc on West Monroe, which is why you still need a great home insurance policy.

West Monroe homeowners insurance cost comparison

We look at thousands of data points to figure out a fair premium to charge our customers. This helps us keep costs down for homeowners, including in West Monroe. Our most recent data shows the average Kin* customer in Ouachita Parish pays just $1,350 per year.

But rates can vary significantly for different types of homes and homeowners. For instance, you might see higher rates if you live closer to the river because that increases your risk for floods. On the other hand, if you haven’t filed many claims, then your premium may go down.

Insurers may also consider your home’s characteristics to determine your premium, such as its:

  • Size.
  • Building materials.
  • Age.

Newer homes meet stricter building code safety regulations and are less likely to have deteriorated to a point that leads to increased risk.

What West Monroe homeowners insurance covers

Every home insurance policy offers specific coverages that protect you against different areas of loss. Policies purchased through us typically have:

  • Replacement cost dwelling coverage to help pay for repairs when your home is damaged in a covered claim.
  • Other structures coverage to cover the cost of damage to structures on your property that aren’t attached to your home, such as sheds and fences.
  • Personal property coverage that can help you replace the contents of your home if they are lost or damaged in a covered claim, including items like appliances, clothing, and electronics.
  • Loss of use coverage that gives you money for additional living expenses if damage makes your home uninhabitable during a covered claim.
  • Personal liability coverage to help pays your defense costs and settlements when you are responsible for someone else’s injuries or property damage.
  • Medical payments coverage that pays a portion of your guests’ medical bills if they’re hurt while visiting you.

Damage caused by hurricane winds is typically covered by homeowners insurance, although you will be responsible for a separate hurricane deductible. These start at $500 for a flat deductible or 1% for percentage deductibles.

Flooding from external sources, including storm surge from a hurricane or an overflowing river, are seldom covered by home insurance. Instead, this is covered by flood insurance.

Unique risks for West Monroe homeowners

West Monroe has unique risks thanks to its geographic location. The first is its proximity to the Ouachita River. Homes near the river are at an increased risk of flooding, especially during heavy rains and hurricanes. West Monroe homeowners must determine whether they are in a flood zone and get a flood insurance policy to protect them from the financial ramifications of a flood loss.

While West Monroe doesn’t sit on the coast, hurricanes do periodically pass through the area. When they do, you can expect heavy winds and rains to come through, knocking down trees and damaging homes during major storms. Hurricane Laura left the city without electricity for days in 2020.

One other area of concern for West Monroe residents is sinkhole risk. The ground in Louisiana is rich in minerals that can erode when saturated, leading to ground collapse. This is a rare occurrence, but it does require separate sinkhole insurance. The policies that we offer do not include this coverage.

Tips for lowering West Monroe homeowners insurance costs

Our West Monroe homeowners insurance policies are already priced competitively, but you may also be eligible for a discount if you:

You may also be able to save on homeowners insurance if you increase your deductible. We only recommend doing this if you know that you can cover the amount you select if you have to file a claim. We currently offer 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.

If you have any questions about getting West Monroe homeowners insurance 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.

Related Posts:Get more answers

Start Saving on Your Home Insurance*