Baton Rouge ,LA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Baton Rouge, LA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Baton Rouge, LA is $1630. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Baton Rouge, LA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Baton Rouge, LA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $652 |
| $200,000 | $1,108 |
| $300,000 | $1,369 |
| $400,000 | $2,086 |
| $500,000 | $2,624 |
Home insurance costs in Baton Rouge can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 070812 | $2,066 |
| 70805 | $2,019 |
| 70802 | $2,022 |
| 70808 | $2,328 |
| 70820 | $2,244 |
| 70809 | $2,249 |
| 70810 | $2,306 |
| 70817 | $2,222 |
| 70806 | $2,249 |
| 70818 | $2,184 |
| 70816 | $2,159 |
| 70815 | $2,148 |
| 70814 | $2,117 |
| 70819 | $2,097 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Baton Rouge, LA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,671 |
| $1000 Deductible | $1,495 |
| $1500 Deductible | $1,410 |
| $2500 Deductible | $1,271 |
| $5000 Deductible | $1,076 |
| Home Insurance Company Near Baton Rouge, LA | Homeowners Insurance Agency Near Baton Rouge, LA | Address |
|---|---|---|
| Travelers | Mcinnis Insurance Services Inc | 7814 Office Park Blvd Baton Rouge, Baton Rouge, LA, 70809 |
| State Farm | Reiter Marshall | 14111 Airline Hwy Ste 114, Baton Rouge, LA, 70817-6244 |
| NA | R. A. Brunson, Inc | 2151 Quail Run Dr., Suite A Baton Rouge, Baton Rouge, LA, 70808 |
| State Farm | Debra Tarter | 777 Michigan Ave Ste B, Port Allen, LA, 70767-2357 |
| State Farm | Greg Archer | 6624 Jones Creek Rd Ste I, Baton Rouge, LA, 70817-3054 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Westminster CDP, Louisiana | $167 | $222 | $333 |
| Merrydale CDP, Louisiana | $156 | $208 | $312 |
| Inniswold CDP, Louisiana | $169 | $225 | $338 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Baton Rouge, LA | 9.0% | 29.7% |
| Westminster | 9.09% | 26.47% |
| Merrydale | 10.86% | 33.2% |
| Inniswold | 6.86% | 28.45% |
| Baton Rouge Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 804 | 2.0% | $349 |
| $200 to $299 | 1,033 | 2.0% | $799 |
| $300 to $499 | 2,860 | 7.0% | $1249 |
| $500 to $749 | 13,877 | 34.0% | $1924 |
| $750 to $999 | 11,613 | 28.0% | $2674 |
| $1,000 to $1,499 | 7,065 | 17.0% | $3799 |
| $1,500 or more | 2,838 | 7.0% | $5449 |
| Streets in Baton Rouge Area | Homeowners Insurance Cost |
|---|---|
| Krista Ln, Saint Croix Ave, Goudchaux St, S Eugene St, Voss Dr, Antrim Dr, Woodlake Dr, Judi Ave, Kirkley Pl W, Legend Dr | $1,313 |
| Sequoia Dr, Leycester Dr, S Gibbens Dr, N Eugene St, Lake Leta Cir, E Glenhaven Dr, Fountain Ln, Watford Ave, W State St, Toria Ave | $1,344 |
| Lindale Ave, Little John Dr, Cashel Ave, Gawain Ave, Rafe Meyer Rd, 78th Ave, Arlington Ct, Blakeridge Ave, N 31st St, Mc Innis Dr | $1,309 |
| E Crown Ave, Chestnut St, Three Oaks Ave, Timberline Dr, Lonita St, Berkshire Ave, Arbutus Ave, Pryce Dr, Teddy Dr, Kenwood Ave | $1,214 |
| Eiland St, Farrington Dr, Woodcliff Dr, Greenshire Ave, W Brookstown Dr, Village Park Dr, Wabash Ave, Terrace Ave, Palisades Dr, Common St | $1,336 |
| Arcadia Dr, Redwood Dr, Richards Dr, Jockey Club Ave, Keel Ave, Tilden St, Britain Ave, Bawell St, Alliquippa St, Oneal Ln | $1,270 |
| Lemonwood Ct, Parkvilla Ave, Azalea Pk Ave, Lockhaven Ave, Guy Dr, Woodchase Blvd, Dawn Ave, Sunset Blvd, Tanner St, Linda Ave | $1,232 |
| Cottage Hill Dr, Hickory Wood Ave, Emmett Bourgeois Rd, Rondo Ave, Tupello St, N College Hill Dr, S Marsden Pl, Corlett Dr, Darryl Dr, Nicholson Lake Dr | $1,289 |
| Chatsworth St, Greenchase Dr, N Bluebonnet Rd, Berrybrook Dr, Granite Dr, Elgin St, Ave C, Neosho Ave, Sharp Rd, Olga Lee Dr | $1,292 |
| Tealwood Dr, N 42nd St, Marigold Ave, High Worth Dr, Harwood Ave, E Washington St, Gilbert Dr, N Waverland Dr, N Snowden Ave, N Allyson Dr | $1,336 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Baton Rouge | $193 to $196 |
| Westminster | $200 |
| Merrydale | $187 |
| Inniswold | $202 |
| Building Coverage | Contents coverage | Construction type | Age of home | Company | Premium |
|---|---|---|---|---|---|
| $400,000 | $200,000 | brick veneer | 1-year | Access Home Ins Co (Preferred) | $1307 |
| $300,000 | $150,000 | brick veneer | 1-year | Allstate Vehicle And Property Ins Co | $893 |
| $200,000 | $100,000 | brick veneer | 10-year | Americas Ins Co | $949 |
| $300,000 | $150,000 | brick veneer | 1-year | Americas Ins Co | $981 |
| $200,000 | $100,000 | brick veneer | 10-year | Anchor Specialty Ins Co | $981 |
| $200,000 | $100,000 | Frame | 10-year | Centauri Specialty Ins Co | $1215 |
| $200,000 | $100,000 | brick veneer | 10-year | Excalibur National Ins Co | $748 |
| $200,000 | $100,000 | brick veneer | 10-year | Occidental Fire & Casualty Of N.C. | $1575 |
| $200,000 | $100,000 | brick veneer | 10-year | Southern Fidelity Ins Co | $1155 |
| $100,000 | $50,000 | brick veneer | 25-year | Usaa Casualty Ins Co | $1053 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,100 | $3,100 |
| Yearly Baton Rouge Homeowner Insurance Premium Example | $3,400 | $2,900 |
| Out of Pocket Expense During Claim | $1,100 | $3,100 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $18,100 | $17,600 |
| Net Savings to Baton Rouge Home Owner from High Deductible Plan | $500 | |
| Scenario | Baton Rouge, LA Home Replacement Value MORE than Home Value | Baton Rouge, LA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $97,000 | $62,500 |
| Insurance Premium based on Replacement Value | $1,875 | $1,200 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $25,500 | Risk Exposure from Under Insuring Coverage is $9,000 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $500/year |
| Insurance Company | Liberty Mutual | GEICO Insurance | State Farm |
| Monthly Premium | 85 | 183 | 145 |
| Year Built | 1984 | 1966 | 1996 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $75000-$100000 | $125000-$150000 | $200000-$250000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | > $10,000 Deductible |