Get Saint Rose, LA Home Insurance Rates!
In Louisiana, Saint Rose residents are looking for a fast way to compare the best quotes available. Our website helps you compare up to 12 competitive rate quotes based on price, company and coverage options. Our top rated carriers in Saint Rose have great prices available for your home that will also include flood and earthquake coverage options. Most of all, you can easily enjoy our hassle free quoting process all-in-one place. Let us help you review and compare Saint Rose home insurance rates today, enter your Saint Rose zip code to start a free online quoting application process or give us a call now.
"How much does home insurance cost in Saint Rose?" For an HO-3, standard homeowners policy in Saint Rose, the average price is around $2,603 per year, which is about $217 per month. Our online customers can save up to 40% or more when we help you shop the best rate and coverage options. Cheaper rates are available, but most of the time, "cheap" rates have limited coverage protection which may not be exactly what you are looking for. Our free consulting process allows you to view all the necessary enhanced coverage features, deductible options plus home insurance credits.
Compare Homeowners Insurance Rates in Saint Rose, LA!
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Home Insurance Rates by Zipcode in Saint Rose, LA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Saint Rose.
Saint Rose, LA Home Insurance Average Premiums
$1721 /yr.
For the city of Saint Rose, 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) | $1721 /yr. |
| Average Coverage: | $1971 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $2271 /yr. |
What is the average home insurance cost for a home in Saint Rose, LA?
- • The average homeowners insurance premium paid annually for a home in Saint Rose is around $1971 per year.
What does it cost on average per month for home insurance in Saint Rose, LA?
- • Homeowners in Saint Rose pay an average cost per month around $164.00 for insurance coverage.
Saint Rose, LA - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $195,635 | $194,602 |
| February | $196,281 | $195,804 |
| March | $197,542 | $196,813 |
| April | $197,047 | $197,065 |
Homeowners insurance will help cover the cost to repair or replace your Saint Rose home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Saint Rose
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
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Saving Money Tips on Saint Rose Home Insurance
A great way to save money on Saint Rose homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Saint Rose area? Check out what homeowners are paying on average for Louisiana homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 0 ft. | This is the average home elevation in Saint Rose, LA | Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Louisiana flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954. |
To get online quotes on your home and compare rates on home insurance premiums in Saint Rose, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Saint Charles County.
Louisiana Homeowners Insurance News & Information
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Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
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Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025
While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires. As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]
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New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025
Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding. A report recently released […]
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Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025
According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs. Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders. Florida Peninsula has filed […]
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How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025
According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common. In a recent AOL.com article, Paul Burns commented on how he had […]
Saint Rose, LA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Saint Rose so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Saint Rose, LA?
- The average square footage in Saint Rose is around 1,252 Sq. Ft. which would cost you around $152,700 to replace the home if you base the home on the price to build per square foot of $122.
Minimum Replacement Cost Total: $152,700
Location: Saint Rose, Louisiana (Saint Charles County)
Average Building Cost Per Square Foot in Saint Rose: $122 (low end)
Average Square Footage in Saint Rose: 1,252 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $122 | $152,700 |
| Some Additional Upgrades | $153 | $190,875 |
| Major Home Updates or Advancements | $183 | $229,050 |
The dwelling coverage is calculated by the average cost per square foot ($122) in Saint Rose, Louisiana times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $381,250 (Media price to build of $153 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.