Baton Rouge Insurance Rates:

Baton Rouge, LA homeowners insurance is roughly $1,097 to $1,487, about $91-$123/month. Our complete guide shows customers can save as much as $516 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Allstate
One of the best benefits of having an allstate insurance policy is getting a local agent dedicated to you. your agent can help you find discounts, understand your coverage, learn about the claims process. they have great service and very friendly staff.
Alcott
What i dislike about alcott is the co-pay and deductibles with each plan are not good, so the choices between premiums are not affordable and very expensive.
State Farm
The agent with whom i deal has been exceptional in taking into consideration my personal needs and circumstances and ensuring that i have the exact coverage i need.

Baton Rouge, LA Homeowners Insurance By Home Value

Baton Rouge, LA Home Value Total Homes % of Total Average Baton Rouge, LA Homeowners Insurance
Less than $50,000 3,711 8.0% $206
$50,000 to $59,999 1,413 3.0% $438
$60,000 to $69,999 1,602 3.0% $542
$70,000 to $79,999 2,078 5.0% $619
$80,000 to $89,999 2,377 5.0% $710
$90,000 to $99,999 2,014 4.0% $787
$100,000 to $124,999 4,616 11.0% $916
$125,000 to $149,999 3,998 9.0% $1148
$150,000 to $174,999 5,381 13.0% $1355
$175,000 to $199,999 3,659 8.0% $1575
$200,000 to $249,999 4,799 11.0% $1897
$250,000 to $299,999 2,632 6.0% $2310
$300,000 to $399,999 3,069 7.0% $2943

Top Home Insurance Agents Near Baton Rouge, LA

Home Insurance Company Near Baton Rouge, LA Homeowners Insurance Agency Near Baton Rouge, LA Address
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
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

Cost Of Homeowners Insurance By Street Near Baton Rouge, LA

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

Baton Rouge, LA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Baton Rouge$193 to $196
Westminster$200
Merrydale$187
Inniswold$202

Baton Rouge, LA Auto & Homeowners Insurance Bundling Discounts

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

Baton Rouge, LA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Baton Rouge, LA9.0%29.7%
Westminster9.09%26.47%
Merrydale10.86%33.2%
Inniswold6.86%28.45%

Baton Rouge Renters Insurance as a Percentage of Rent

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

Baton Rouge, LA Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
70812 $99,800 $1,260
70805 $74,700 $1,240
70802 $68,200 $1,230
70808 $266,600 $1,400
70820 $244,600 $1,400
70809 $219,300 $1,370
70810 $218,000 $1,370
70817 $206,300 $1,340
70806 $186,400 $1,320
70818 $174,300 $1,330
70816 $168,200 $1,300
70815 $161,400 $1,310
70814 $141,200 $1,290
70819 $128,200 $1,290

Average Cost Of Home Insurance By Company In Areas Nearby Baton Rouge For Different Scenarios

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

Baton Rouge, LA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Baton Rouge, LA Home Insurance Costs With Home Replacement Value Scenarios

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

Example Baton Rouge Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualGEICO InsuranceState Farm
Monthly Premium 85183145
Year Built 198419661996
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $75000-$100000$125000-$150000$200000-$250000
Deductible $1000-$2500 Deductible$500 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Baton Rouge, LA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1987 370,000 Composition Roof 3,840 5 $1000-$2500 Deductible 860 2 Stone Siding yes
1973 275,000 Shingles Roof 3,300 4 $500 Deductible 1330 3 Wood siding yes
1979 270,000 Membrane Roof 3,080 4 $500 Deductible 360 1 Stucco siding No
1997 80,000 Asphalt Shingles Roof 900 2 $2500-$5000 Deductible 360 4 Wood siding yes
1965 460,000 Wood Shake Roof 4,900 5 $500- $1000 Deductible 2520 4 Brick siding yes
2012 145,000 Tile Roof 1,510 2 $1000-$2500 Deductible 2570 12 Fiber-Cement Siding yes
1970 225,000 Wood Shake Roof 2,060 4 $1000-$2500 Deductible 1690 8 Stone Siding No
1987 295,000 Tile Roof 3,040 5 $1000-$2500 Deductible 1220 4 Fiber-Cement Siding No
1979 165,000 Metal Roof 1,520 2 $500 Deductible 1420 7 Vinyl siding yes