Gavop's guide to buying homeowners insurance in Ascension, LA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Ascension, LA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Sumter Dr, 1350, Don Lou Dr, 1566, 1499, Butterfly Ln, N Lone Oak St, Mission St, 1155, Grace St | $169,500 | $150,000 | $125,000-$150,000 | $165,500 | $130,000 | $150,000-$175,000 |
| 1523, Flamingo Dr, 487, Jules Dr, Industriplex Ave, Walnut Rd, 378, Wilkes Dr, Newman Nickens Rd, 316 | $240,500 | $190,000 | $250,000-$300,000 | $246,000 | $220,000 | $250,000-$300,000 |
| Oneal Rd, Joe Gautreaux Rd, 1159, Barcelona Dr, Buratt St, Germany Rd, Champion Tif Dr, Seneca Dr, 442, Essen Terrace Dr | $269,000 | $220,000 | $200,000-$250,000 | $319,500 | $260,000 | $250,000-$300,000 |
| Margie St, Cannon Estates Dr, Sunshine St, S Darla Ave, Timberwood Rd, 1022, 1139, Della Marchand Rd, N Main St, 273 | $102,500 | $90,000 | $75,000-$100,000 | $123,000 | $110,000 | $125,000-$150,000 |
| 510, E Belle Helene St, Van Water and Rogers Ln, Autumn Xing, Highridge Ave, Fountain Hill Blvd, Rivergate Ave, 1012, 812, 514 | $246,000 | $210,000 | $200,000-$250,000 | $378,500 | $320,000 | $300,000-$350,000 |
| Lenwood Dr, State Rte 70, Bea Ln, McKinley St, 1161, Williams Rd, Trinidad Dr, 399, Hwy 74, 1628 | $135,500 | $120,000 | $100,000-$125,000 | $343,000 | $310,000 | $300,000-$350,000 |
| Catadonna St, Donna Villar Rd, Heron's Way Ave, Rip Duplessis Rd, 644, Carla Dr, Cleastor Ln, Joseph, 1000, Chen Blanc Ln | $147,500 | $130,000 | $125,000-$150,000 | $127,500 | $120,000 | $125,000-$150,000 |
| 1097, Greens View Dr, N Frances Ave, Minor Ave, Cannon Estates Dr, 875, Blossom Trail Dr, S St Landry Rd, 130, W Bergeron St | $101,000 | $90,000 | $75,000-$100,000 | $227,000 | $190,000 | $200,000-$250,000 |
| Adonice Ln, 1553, 183, State Rte 3038, Church St, 1052, 248, Galtier Zito Ln, Ellis P Babin Rd, Rue de Le Bois Rd | $186,500 | $150,000 | $175,000-$200,000 | $199,500 | $180,000 | $200,000-$250,000 |
| Sierra Ln, 1811, Dinas Ln, S Sammy Ave, E Lynne St, Fruge Rd, Mulberry St, State Rte 934, Eagles Nest, Tezcuco Ct | $192,000 | $160,000 | $200,000-$250,000 | $354,500 | $320,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$184 | $1,045 |
| Superior Protection Discount | -$111 | $1,119 |
| Fire & Security Discount | -$98 | $1,131 |
| Hail Resistant Roof Discount | -$25 | $1,205 |
| Newly Constructed Home Discount | -$283 | $946 |
| 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 |
| Ascension Parish | $1,500 | $1,214 | $2,714 | $883 | $2,383 | $332 |
| Ascension, LA | $2,500 | $1,214 | $3,714 | $883 | $3,383 | $332 |
| Old Jefferson, LA | $700 | $988 | $1,688 | $718 | $1,418 | $270 |
| Gramercy, LA | $100 | $1,591 | $1,691 | $1,156 | $1,256 | $435 |
| North Vacherie, LA | $1,000 | $1,626 | $2,626 | $1,182 | $2,182 | $444 |
| Port Allen, LA | $400 | $992 | $1,392 | $721 | $1,121 | $271 |
| Watson, LA | $1,500 | $1,747 | $3,247 | $1,269 | $2,769 | $477 |
| Kraemer, LA | $100 | $1,282 | $1,382 | $932 | $1,032 | $350 |
| Des Allemands, LA | $700 | $1,356 | $2,056 | $985 | $1,685 | $370 |
| Ventress, LA | $100 | $1,390 | $1,490 | $1,010 | $1,110 | $380 |
| Greensburg, LA | $2,000 | $1,245 | $3,245 | $905 | $2,905 | $340 |
| 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 |
| Ascension Parish, LA | $179,800 | $1,229 | $860 | $1,770 | $910 |
| Ascension, LA | $179,800 | $1,229 | $860 | $1,770 | $910 |
| Old Jefferson, LA | $182,700 | $1,000 | $700 | $1,440 | $740 |
| Gramercy, LA | $144,800 | $1,610 | $1,130 | $2,320 | $1,190 |
| North Vacherie, LA | $150,000 | $1,646 | $1,150 | $2,370 | $1,220 |
| Port Allen, LA | $119,700 | $1,004 | $700 | $1,450 | $750 |
| Watson, LA | $169,800 | $1,768 | $1,240 | $2,550 | $1,310 |
| Kraemer, LA | $107,400 | $1,298 | $910 | $1,870 | $960 |
| Des Allemands, LA | $115,300 | $1,372 | $960 | $1,980 | $1,020 |
| Ventress, LA | $119,200 | $1,407 | $980 | $2,030 | $1,050 |
| Greensburg, LA | $103,600 | $1,260 | $880 | $1,810 | $930 |