Gavop's guide to buying homeowners insurance in Webster, 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.
| Webster, 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 | |
| Lincoln Ave, Whitlock St, Murrell St, Normandie Ln, Davenport Dr, Parish Rd 123A, Parish Rd 217, White Sands Dr, Chris Dr, Country Pl | $94,500 | $80,000 | $100,000-$125,000 | $55,500 | $50,000 | $25,000-$50,000 |
| Frazier Rd, Webb Ct, Parish Rd 17, Bagwell Rd, Dorcheat St, Jenkins Ln, State Rte 615, Hood St, Abney St, Crestview Dr | $66,500 | $60,000 | $50,000-$75,000 | $76,500 | $70,000 | $50,000-$75,000 |
| McGowen Rd, Nella Ct, Parish Rd 192A, Douglas St, Curtis Dr, 9th St SE, Nickerson Rd, State Line Rd, S Middle Landing Rd, Apple St | $120,500 | $110,000 | $125,000-$150,000 | $103,500 | $90,000 | $75,000-$100,000 |
| Devereaux St, Front St, Parish Rd 228, Pepperidge Cir, Goodwill Rd, Country Club Cir E, Oakland Rd, Burrell Ln, S Collins St, 5th St SE | $65,000 | $50,000 | $50,000-$75,000 | $56,500 | $50,000 | $50,000-$75,000 |
| Parish Rd 260, Frazier St, Point Rd, Lum Miller Rd, Downs Ln, E Union St, Haynes Rd, Clinic St, Parish Rd 172, Martin Luther King Dr | $84,500 | $70,000 | $75,000-$100,000 | $79,500 | $70,000 | $75,000-$100,000 |
| Russell St, Maple St, Walker Ln, Constable St, White Oak Rd, Benson Rd, Parish Rd 115B, Pie Brown Rd, Allums Rd, Nickerson St | $97,500 | $80,000 | $100,000-$125,000 | $91,500 | $70,000 | $100,000-$125,000 |
| Duck Rd, Thomas Dean Rd, Parish Rd 27, Carroll Ln, Marathon Rd, Lee St, Cook Rd, Stewart St, Sandy Rd, Willow Rd | $113,500 | $100,000 | $75,000-$100,000 | $103,500 | $90,000 | $100,000-$125,000 |
| Lewis Loop, Jessie Ln, Parish Rd 21, Elton Wise Rd, N Curtis St, Britt St, R King Rd, Middle Rd, Beech Springs Rd, Pruitt Rd | $106,000 | $100,000 | $100,000-$125,000 | $121,500 | $100,000 | $125,000-$150,000 |
| Searles St, Brenda Cir, Crow Lake Rd, 4th St SW, S Arkansas St, Jack Martin Rd, Bunk House Trl, Bobby Slack Rd, Harris Cir, Camp St | $111,500 | $90,000 | $75,000-$100,000 | $56,000 | $50,000 | $50,000-$75,000 |
| FS Rd 810, Ballpark St, Braxton Trl, 1st Street Pinehill, Katie Ln, Boyette Sub St, Holleys Rd, Joel St, Northwood Dr, Coty Ln | $98,000 | $80,000 | $100,000-$125,000 | $64,000 | $60,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $832 |
| Superior Protection Discount | -$98 | $880 |
| Fire & Security Discount | -$88 | $890 |
| Hail Resistant Roof Discount | -$20 | $959 |
| Newly Constructed Home Discount | -$225 | $753 |
| 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 |
| Webster Parish | $700 | $967 | $1,667 | $702 | $1,402 | $264 |
| Webster, LA | $700 | $967 | $1,667 | $702 | $1,402 | $264 |
| Cotton Valley, LA | $300 | $609 | $909 | $442 | $742 | $166 |
| Sibley, LA | $1,500 | $1,031 | $2,531 | $750 | $2,250 | $282 |
| Mount Lebanon, LA | $100 | $1,945 | $2,045 | $1,414 | $1,514 | $532 |
| Taylor, AR | $700 | $767 | $1,467 | $557 | $1,257 | $210 |
| Caddo, LA | $100 | $1,389 | $1,489 | $1,009 | $1,109 | $380 |
| Mars Hill, AR | $700 | $931 | $1,631 | $676 | $1,376 | $254 |
| Steel, AR | $2,500 | $759 | $3,259 | $551 | $3,051 | $207 |
| Quitman, LA | $400 | $1,208 | $1,608 | $878 | $1,278 | $330 |
| Beech, AR | $1,000 | $1,064 | $2,064 | $773 | $1,773 | $291 |
| 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 |
| Webster Parish, LA | $81,600 | $978 | $680 | $1,410 | $730 |
| Webster, LA | $81,600 | $978 | $680 | $1,410 | $730 |
| Cotton Valley, LA | $51,200 | $616 | $430 | $890 | $460 |
| Sibley, LA | $83,700 | $1,044 | $730 | $1,500 | $770 |
| Mount Lebanon, LA | $215,000 | $1,969 | $1,380 | $2,840 | $1,460 |
| Taylor, AR | $56,300 | $776 | $570 | $1,100 | $530 |
| Caddo, LA | $138,200 | $1,406 | $980 | $2,020 | $1,040 |
| Mars Hill, AR | $88,200 | $942 | $690 | $1,350 | $660 |
| Steel, AR | $54,800 | $768 | $560 | $1,090 | $530 |
| Quitman, LA | $100,000 | $1,223 | $860 | $1,760 | $900 |
| Beech, AR | $116,100 | $1,077 | $730 | $1,520 | $790 |