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Thibodaux Homeowners Insurance

Find the Right Thibodaux, LA Homeowners Insurance

Find the right homeowners insurance policy for you.

Ann Herro | March 14, 2020

Thibodaux is a pretty little town in the heart of Louisiana, with a long history of friendly neighbors and old fashioned southern hospitality. Over the years, Thibodaux, LA has attracted the attention of some of the nation’s top country music artists, earning a mention in songs by George Strait, Toby Keith, and Hank Williams. While this city might be an idyllic place to live in, homeowners are still at risk for theft and weather-related disasters. That’s why homeowners in Thibodaux can’t afford to skimp on home insurance.

Our Independent Insurance Agents work alongside Louisiana homeowners to find the most affordable home insurance options. Whether you live in a downtown condo, a sprawling historic farmhouse or a simple single-family home, our friendly agents can help you find a comprehensive Thibodaux homeowners insurance policy that will work for you.

  • National yearly premium average: $1,034
  • Louisiana yearly premium average: $1,742
  • 2nd most expensive premium in the U.S.

Home insurance in Louisiana isn’t cheap. The state is famous for having some of the highest rates in the country, in large part due to the high number of hurricanes that have struck the area and the amount of damage even a small hurricane can do. Rates in Thibodaux tend to be lower than rates in cities located on the Gulf shore, but ultimately your premium depends on your home's size and age and its proximity to the Bayou Lafourche waterway.

Thibodaux Second Home and Vacation Home Insurance

Considering the town’s pretty scenery, pleasant nature, and low real estate prices, it’s no surprise that there are many properties in Thibodaux that serve as a second or vacation home. Since a great deal of time can pass before the damage done by floods and strong winds is discovered at these properties, it’s important to have the house fully insured. The good news is that you may be able to get a lower rate by bundling the homeowners insurance on your primary residence and your second home.

Number of Thefts in Louisiana

  • National number of burglaries: 37,814
  • Louisiana number of burglaries: 41,184

Since the widespread looting following Hurricane Katrina, people all over Louisiana have become more cautious of thefts and break-ins. Not only are these experiences scary, but they can also result in a great deal of damage. A home insurance policy gives you the means to pay for the necessary repairs and replace stolen items if you become the victim of a burglary.

Number of Catastrophes in Louisiana

  • Number of catastrophes in Louisiana: 369
  • Number of tornadoes in Louisiana: 29
  • Amount of property damage in Louisiana: $10,240,000
  • 1 in 15 insured homes has a claim each year

Louisiana seems to be a magnet for natural disasters, with annual property damage topping more than $10 million. With hurricanes, coastal storms, flooding, and wildfires all posing serious risks, many homeonwers rely heavily on their home insurance policies to pay for repairs and annual upkeep.

What Are the Risks in Thibodaux?

Thibodaux is a wonderful place to live in, but it’s not without its problems. The area has been hit by several tornadoes and occasional damaging hail storms over the years. Flooding is another serious problem, and the damp air creates the perfect conditions for mold to grow. Make sure you look for a home insurance policy that covers all these potential catastrophes.

Compare Thibodaux Home Insurance Quotes

Saving money on your Thibodaux homeowners insurance isn’t impossible, but it does take some legwork. The first step is to compare home insurance quotes, something that can take time. Our Independent Insurance Agents make it easier than ever before to compare prices by offering free rate quotes on multiple policies in one place. Our friendly agents will help you compare the coverage options and choose a plan that will best protect your home from the common threats in Thibodaux. 

Contact an agent today to get your free customized quote on homeowners insurance in Thibodaux.

Now, who's ready to get their insurance problems solved?