Gavop shows you how to buy homeowners insurance in Vernon, LA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Vernon, LA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Robert Smart Rd, McManus Rd, Parish Rd 159, Cryer Rd, Brady Rd, Parish Rd 856, Clarence Bynog Rd, Three Oaks Dr, Mayo Rd, L Sweat Rd | $136,000 | $110,000 | $100,000-$125,000 | $86,500 | $80,000 | $75,000-$100,000 |
| Parish Rd 864, Holcomb Rd, State Rte 1211, Henry Cryer Rd, Paul Jarrell Rd, Chapel Estate, W Maggie St, Bennett Collins Loop, Dale Busby Rd, Vernon Park Rd | $161,500 | $150,000 | $125,000-$150,000 | $87,000 | $80,000 | $75,000-$100,000 |
| N Sale St, Parish Rd 86, Cole Rd, Hayfield Rd, Magnolia St, Parish Rd 853, Cole Rd, Fullerton Blacktop Rd, Hickman Rd, Nelson Rd | $82,500 | $70,000 | $75,000-$100,000 | $54,500 | $50,000 | $50,000-$75,000 |
| Senior Citizen Dr, Holton Harris Rd, Shirley St, Charles St, Parish Rd 124, C Smith Rd, McKee St, Cedarbrook Cir, Parish Rd 155, Merchant Rd | $163,000 | $150,000 | $150,000-$175,000 | $136,500 | $110,000 | $125,000-$150,000 |
| E Singleton St, Anacoco Prairie Trace Rd, Dr Beall Dr, Warner St, Lees Ln, Douglas Memorial Rd, Parish Rd 23, Parish Rd 7140, Ada Dr, Fisher McConathy Rd | $102,000 | $90,000 | $100,000-$125,000 | $80,000 | $80,000 | $50,000-$75,000 |
| Welch Rd, Red Cut Hill Rd, Pit Rd, Chaney Rd, Robertson Rd, Hammond St, Flat Town Rd, Parish Rd 6965, Luther Trotti Rd, Port Arthur Rd | $111,500 | $90,000 | $100,000-$125,000 | $116,500 | $100,000 | $100,000-$125,000 |
| Monticello St, Burr Rd, Parish Rd 858, West St, Parish Rd 528, Leach Rd, Jimmie West Rd, Tilley Rd, Parish Rd 2130, Parish Rd 21 | $115,000 | $90,000 | $100,000-$125,000 | $89,500 | $80,000 | $75,000-$100,000 |
| Ramona Dr, Barham Rd, Parish Rd 3-81, Mary Hunt Rd, Turner Rd, Burr Cementery Rd, Brown Rd, Parish Rd 780, 4th St, Parish Rd 58 | $143,000 | $120,000 | $150,000-$175,000 | $98,500 | $90,000 | $100,000-$125,000 |
| Parish Rd 882, Owens Loop, Lacey Ln, Parish Rd 114, Port Arthur Ave, Hinson Rd, Birch St, Parish Rd 2268, Red Oak Ln, Quail Hill Dr | $112,000 | $90,000 | $75,000-$100,000 | $78,000 | $70,000 | $75,000-$100,000 |
| W Cemetery Rd, Byrd St, Huey Bean Rd, Carlon St, Parish Rd 74, Juniper St, Downs Rd, 2nd St, Parish Rd 862, State Rte 1146 | $124,000 | $110,000 | $125,000-$150,000 | $116,500 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$174 | $1,071 |
| Superior Protection Discount | -$112 | $1,133 |
| Fire & Security Discount | -$137 | $1,109 |
| Hail Resistant Roof Discount | -$25 | $1,221 |
| Newly Constructed Home Discount | -$361 | $884 |
| 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 |
| Vernon Parish | $2,500 | $1,231 | $3,731 | $894 | $3,394 | $336 |
| Vernon, LA | $2,000 | $1,231 | $3,231 | $894 | $2,894 | $336 |
| New Llano, LA | $500 | $1,174 | $1,674 | $853 | $1,353 | $321 |
| South Toledo Bend, TX | $2,000 | $1,771 | $3,771 | $1,287 | $3,287 | $484 |
| Fisher, LA | $300 | $940 | $1,240 | $683 | $983 | $257 |
| Burkeville, TX | $1,500 | $1,278 | $2,778 | $929 | $2,429 | $349 |
| Beauregard, LA | $200 | $1,219 | $1,419 | $886 | $1,086 | $333 |
| Boyce, LA | $2,000 | $913 | $2,913 | $663 | $2,663 | $249 |
| McNary, LA | $100 | $975 | $1,075 | $709 | $809 | $266 |
| Point Place, LA | $700 | $1,783 | $2,483 | $1,296 | $1,996 | $487 |
| 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 |
| Vernon Parish, LA | $116,600 | $1,246 | $870 | $1,790 | $920 |
| Vernon, LA | $116,600 | $1,246 | $870 | $1,790 | $920 |
| New Llano, LA | $96,600 | $1,188 | $830 | $1,710 | $880 |
| South Toledo Bend, TX | $182,800 | $1,793 | $1,180 | $2,760 | $1,580 |
| Fisher, LA | $76,000 | $951 | $670 | $1,370 | $700 |
| Burkeville, TX | $58,400 | $1,294 | $850 | $1,990 | $1,140 |
| Beauregard, LA | $115,200 | $1,234 | $860 | $1,780 | $920 |
| Boyce, LA | $73,800 | $924 | $650 | $1,330 | $680 |
| McNary, LA | $78,900 | $987 | $690 | $1,420 | $730 |
| Point Place, LA | $176,600 | $1,805 | $1,260 | $2,600 | $1,340 |