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71245 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 71245 zip code it's important to know that our rates are very competitive for homeowners living in Grambling, LA. Many homeowners based out of your 71245 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Louisiana licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 71245 should appear in the zip code field ready to go. For Grambling, LA Homeowners Insurance Quotes nearby, we offer the best rates and service.

71245: Average Home Insurance Rates

For homeowners living in the great city of Grambling, the average homeowners policy is considered very high in comparison to other states. Louisiana premiums are estimated to be around $1520 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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71245 Home Insurance Average Premiums

Local 71245 homeowners insurance quotes comparison

$1270 /yr.

Shows Zip Code: 71245 lowest rates with discounts applied on average.

For the 71245, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$1270 /yr.
Average Coverage:$1520 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1820 /yr.

What is the average home insurance cost for a home in 71245?

  • • The average homeowners insurance premium paid annually for a home in 71245 is around $1520 per year.

What does it cost on average per month for home insurance in 71245?

  • • Homeowners in 71245 pay a monthly average cost per month around $127.00.

What kind of discount could I get if I combine my home and auto insurance together in 71245?

  • • Autoowners in 71245 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Grambling, check out other zip codes nearby 71245.
To review average rates in another zip code, click on a zip code below:
71245  | 

Home Replacement Cost Coverage in 71245

Average Building Cost Per Square Foot in 71245: $122

Location: Grambling, Louisiana (Lincoln County)

Average Square Footage in 71245: 921 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 71245 before you start any project. Grambling homeowners pay on average around $122 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 71245 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 71245 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 921 sq. ft. and the average cost to rebuild the home in this area is around $122 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Grambling area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$122921$112,400
Additional Upgrades & Added Features$153921$140,500
Major Home Updates or Advancements$183921$168,600

It's important to understand that when you estimate your replacement cost of your home in the 71245 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 71245

Ad Smith Insurance Inc

Address: 2086 Martin Luther King J Grambling, LA 71245
Phone: (318)247-8031
Website:

Best Home & Auto Insurance Agencies in 71245

Ad Smith Insurance Inc

Address: 2086 Martin Luther King Jr Ave Grambling, LA 71245
Phone:
Website:
Info:

Housing Demographics for 71245

Population Review for 71245 Zip Code

For the city of Grambling, the population within 71245 has increased to over 2,452 residents in population size. The current population total is 4,849. We have broken down the population based on race below. In 71245, there are over 1949 in male population and 2900 females.

PopulationValues
Total Population4,849
White Population29
Black Population4709
Hispanic Population28
Asian Population4
Hawaiian Population0
Indian Population5
Other Population10
Male Population1949
Female Population2900
Population Estimate2452

Household Data for 71245

The average number of homes in 71245 is around 1,114, there are an average of 2.29 per household. The average house value according to local real estate values is around $112,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,114
Persons Per Household2.29
Average House Value$112,400
Income Per Household$28795
Median Age21.5
Median Age Male21.6
Median Age Female21.5
71245 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code318
CityGrambling
City Alias NameGRAMBLING
CountyLincoln
County FIPS061
State FIPS22
Time Zone6
Day Light SavingY
MSA
PMSA
CSA384
CBSA40820
CBSA_DIV
CBSA_TypeMicro
CBSA_NameRuston, LA
MSA_Name
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses33
Number Of Employees397
Business First Quarter Payroll2356
Business Annual Payroll9535
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population63009
CBSA Division Population0
Congressional District05
Congressional LandArea14452.88
Delivery Residential1071
Delivery Business53
Delivery Total1482
Preferred Last Line KeyY23804
Classification Code
Multi-County
CSA NameMonroe-Ruston, LA
CBSA_DIV_Name
City State KeyY23804
Land Area5.421000
Water Area0.022000
City Alias Code
City Mixed CaseGrambling
City Alias Mixed CaseGrambling
Box Count301
SFDU719
MFDU0
State ANSI22
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number213666
Unique ZIP Name
SSA State County Code19300
Medicare CBSA Code99919
Medicare CBSA NameRural Areas in LA
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseLincoln

Louisiana Homeowners Insurance News & Information

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]