How Can I Make My Lake Charles, LA Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Lake Charles, LA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Lake Charles, LA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $40,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $126,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $127,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $143,500 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $143,500 | $130,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Lake Charles, LA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$233 | $1,223 |
| Superior Protection Discount | -$146 | $1,311 |
| Fire & Security Discount | -$146 | $1,311 |
| Hail Resistant Roof Discount | -$44 | $1,413 |
| Newly Constructed Home Discount | -$306 | $1,150 |
Choose the Right Deductible for your Lake Charles, LA Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Calcasieu Parish | $1,500 | $1,389 | $2,889 | $1,009 | $2,509 | $380 |
| Lake Charles, LA | $2,000 | $1,439 | $3,439 | $1,046 | $3,046 | $393 |
| Cameron, LA | $500 | $935 | $1,435 | $679 | $1,179 | $256 |
| Beauregard, LA | $1,000 | $1,219 | $2,219 | $886 | $1,886 | $333 |
| Mauriceville, TX | $400 | $964 | $1,364 | $701 | $1,101 | $263 |
| Basile, LA | $1,500 | $654 | $2,154 | $475 | $1,975 | $179 |
| Call, TX | $200 | $1,371 | $1,571 | $997 | $1,197 | $375 |
| Merryville, LA | $700 | $778 | $1,478 | $565 | $1,265 | $212 |
| Iota, LA | $400 | $1,355 | $1,755 | $984 | $1,384 | $370 |
| Groves, TX | $1,000 | $953 | $1,953 | $693 | $1,693 | $260 |
| Port Arthur, TX | $300 | $1,344 | $1,644 | $976 | $1,276 | $367 |
| Acadia, LA | $2,000 | $1,100 | $3,100 | $799 | $2,799 | $301 |
Identify Top Home Insurance Agents near Lake Charles, LA | Back to Top
| Home Insurance Company Lake Charles, LA | Homeowners Insurance Agency Lake Charles, LA | Address | Popularity Score | Distance from Lake Charles (miles) |
|---|---|---|---|---|
| State Farm | Melanie Perry | Ste A 695 Sam Houston Jones Pkwy, Moss Bluff, LA, 70611-5506 | 6.8 | |
| State Farm | Scotty Mathews | 4640 Nelson Rd, Lake Charles, LA, 70605-5210 | 2.9 | |
| State Farm | Christine Bailey | 277 N Highway 171 Ste 14, Moss Bluff, LA, 70611-5374 | 7.1 | |
| Allstate | Dean Day | 1700 E Prien Lake Rd Ste 1, Lake Charles, LA, 70601 | 1.1 | |
| Allstate | Matthew Graham | 2004 Maplewood Dr, Sulphur, LA, 70663 | 8.5 | |
| Allstate | Melisa Mcmillian Adrian | 3600 Common St Ste 300, Lake Charles, LA, 70607 | 0.7 | |
| Allstate | Charles Cox | 3405 Lake St, Lake Charles, LA, 70605 | 1.2 | |
| Travelers | Insurance World Inc | 5640 S Hwy 14, Lake Charles, LA, 70607 | 3.4 | |
| Travelers | Insurance World Inc | 5640 S. Highway 14 , Lake Charles, LA, 70607 | 3.4 | |
| Liberty Mutual Independent | Clarke Insurance Inc | 4840 Lake St, Lake Charles, LA, 70605 | 2.5 |
Compare Rates for Lake Charles, LA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Louisiana | $152,900 | $1,666 | $1,170 | $2,400 | $1,230 |
| Calcasieu Parish, LA | $138,100 | $1,406 | $980 | $2,020 | $1,040 |
| Lake Charles, LA | $145,900 | $1,456 | $1,020 | $2,100 | $1,080 |
| Cameron, LA | $110,900 | $946 | $660 | $1,360 | $700 |
| Beauregard, LA | $115,200 | $1,234 | $860 | $1,780 | $920 |
| Mauriceville, TX | $109,100 | $976 | $640 | $1,500 | $860 |
| Basile, LA | $54,400 | $662 | $460 | $950 | $490 |
| Call, TX | $74,100 | $1,388 | $920 | $2,140 | $1,220 |
| Merryville, LA | $63,300 | $787 | $550 | $1,130 | $580 |
| Iota, LA | $115,200 | $1,371 | $960 | $1,970 | $1,010 |
| Groves, TX | $104,900 | $965 | $640 | $1,490 | $850 |
| Port Arthur, TX | $98,100 | $1,360 | $900 | $2,090 | $1,190 |
| Acadia, LA | $97,500 | $1,113 | $780 | $1,600 | $820 |
Research Home Insurance Companies Reviews in Lake Charles, LA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: January 12, 2020 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
They randomly cancelled my insurance based on data from a neighbor's house and it was a huge hassle to get them reinstated.
Date: January 12, 2020 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
The premium and ductility processing compared to other insurance companies is pretty decent, i would like a lower deductible of course but its within reason and comparable to other companies that offer similar coverage.
Date: September 13, 2019 Age: Above 60 Gender: Male Marital Status: Married
Policy Offerings
When my wife and I purchased our home in 2016, we looked into three different home insurance carriers and soon discovered State Farm had the most to offer in terms of offerings and cost associated with those offerings.
Date: June 06, 2019 Age: Above 60 Gender: Married Marital Status: Female
Customer Service
State Farm insurance company is excellent! Their customer service goes above and beyond, problems are handled right away. They even send us birthday and Christmas card. Extraordinary!
GEICO Home Insurance Reviews
Date: July 21, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
Its renters insurance, so I'm guessing they'd cover fires and things of that nature. Not sure what else