Get multiple home insurance quotes in 70049. Our licensed 70049, LA agents are ready to serve you.

70049 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 70049 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Edgard, LA. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 70049 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Louisiana, like average Edgard homeowners insurance rates, coverage options or home insurance types, please select Edgard, LA Home Insurance Rates Online!

70049 Home Insurance Average Premiums

Local 70049 homeowners insurance quotes comparison

$1267 /yr.

Shows Zip Code: 70049 lowest rates with discounts applied on average.

For the 70049, 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)
$1267 /yr.
Average Coverage:$1517 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1817 /yr.

What is the average home insurance cost for a home in 70049?

  • • The average homeowners insurance premium paid annually for a home in 70049 is around $1517 per year.

What does it cost on average per month for home insurance in 70049?

  • • Homeowners in 70049 pay a monthly average cost per month around $126.00.

What kind of discount could I get if I combine my home and auto insurance together in 70049?

  • • Autoowners in 70049 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.

For shopping home insurance rates within the Edgard area, check out other zip codes nearby 70049.
Review average rates in another zip code:
70049 homeowners insurance rates

Home Replacement Cost Coverage in 70049

Average Building Cost Per Square Foot in 70049: $122

Location: Edgard, Louisiana (St John The Baptist County)

Average Square Footage in 70049: 1,065 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70049 before you start any project. Edgard 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 70049 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 70049 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,065 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 Edgard 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$1221,065$129,900
Additional Upgrades & Added Features$1531,065$162,375
Major Home Updates or Advancements$1831,065$194,850

It's important to understand that when you estimate your replacement cost of your home in the 70049 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 70049

Best Home & Auto Insurance Agencies in 70049

Housing Demographics for 70049

Population Review for 70049 Zip Code

For the city of Edgard, the population within 70049 has increased to over 1,779 residents in population size. The current population total is 1,975. We have broken down the population based on race below. In 70049, there are over 905 in male population and 1070 females.

PopulationValues
Total Population1,975
White Population94
Black Population1768
Hispanic Population13
Asian Population1
Hawaiian Population1
Indian Population2
Other Population8
Male Population905
Female Population1070
Population Estimate1779

Household Data for 70049

The average number of homes in 70049 is around 776, there are an average of 2.55 per household. The average house value according to local real estate values is around $129,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode776
Persons Per Household2.55
Average House Value$129,900
Income Per Household$58802
Median Age44.2
Median Age Male41.9
Median Age Female45.2
70049 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code985
CityEdgard
City Alias NameEDGARD
CountySt John The Baptist
County FIPS095
State FIPS22
Time Zone6
Day Light SavingY
MSA5560
PMSA
CSA406
CBSA35380
CBSA_DIV
CBSA_TypeMetro
CBSA_NameNew Orleans-Metairie, LA
MSA_NameNew Orleans, LA MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses12
Number Of Employees89
Business First Quarter Payroll344
Business Annual Payroll1506
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1167764
CBSA Division Population0
Congressional District02
Congressional LandArea1268.48
Delivery Residential698
Delivery Business16
Delivery Total1238
Preferred Last Line KeyY23663
Classification Code
Multi-County
CSA NameNew Orleans-Metairie-Slidell, LA-MS
CBSA_DIV_Name
City State KeyY23663
Land Area16.345000
Water Area2.441000
City Alias Code
City Mixed CaseEdgard
City Alias Mixed CaseEdgard
Box Count236
SFDU622
MFDU0
State ANSI22
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number212587
Unique ZIP Name
SSA State County Code19470
Medicare CBSA Code35380
Medicare CBSA NameNew Orleans-Metairie, LA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseSt John The Baptist

Louisiana Homeowners Insurance News & Information

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    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]