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Homeowners Insurance coverage in 70358

If you are a homeowner in 70358 or Grand Isle, LA you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Grand Isle.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 70358.

Learn more about our homeowners insurance shopping service by selecting the best Grand Isle, LA Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 70358?

Residents of Grand Isle have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Louisiana? While Louisiana is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Louisiana comes in at 3 in the country for homeowners insurance premiums.

If you are living in 70358 zipcode, expect to pay around $1486 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Grand Isle does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

70358 Home Insurance Average Premiums

Local 70358 homeowners insurance quotes comparison

$1236 /yr.

Shows Zip Code: 70358 lowest rates with discounts applied on average.

For the 70358, 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)
$1236 /yr.
Average Coverage:$1486 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1786 /yr.

What is the average home insurance cost for a home in 70358?

  • • The average homeowners insurance premium paid annually for a home in 70358 is around $1486 per year.

What does it cost on average per month for home insurance in 70358?

  • • Homeowners in 70358 pay a monthly average cost per month around $124.00.

What kind of discount could I get if I combine my home and auto insurance together in 70358?

  • • Autoowners in 70358 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 Grand Isle area, check out other zip codes nearby 70358.
Review average rates in another zip code:
70358 homeowners insurance rates

Home Replacement Cost Coverage in 70358

Average Building Cost Per Square Foot in 70358: $122

Location: Grand Isle, Louisiana (Jefferson County)

Average Square Footage in 70358: 1,801 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70358 before you start any project. Grand Isle 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 70358 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 70358 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,801 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 Grand Isle 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$1221,801$219,700
Additional Upgrades & Added Features$1531,801$274,625
Major Home Updates or Advancements$1831,801$329,550

It's important to understand that when you estimate your replacement cost of your home in the 70358 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 70358

Best Home & Auto Insurance Agencies in 70358

Housing Demographics for 70358

Population Review for 70358 Zip Code

For the city of Grand Isle, the population within 70358 has increased to over 136 residents in population size. The current population total is 1,005. We have broken down the population based on race below. In 70358, there are over 524 in male population and 481 females.

PopulationValues
Total Population1,005
White Population939
Black Population4
Hispanic Population30
Asian Population6
Hawaiian Population0
Indian Population17
Other Population8
Male Population524
Female Population481
Population Estimate136

Household Data for 70358

The average number of homes in 70358 is around 448, there are an average of 2.24 per household. The average house value according to local real estate values is around $219,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode448
Persons Per Household2.24
Average House Value$219,700
Income Per Household$0
Median Age51.6
Median Age Male54.3
Median Age Female49.3
70358 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code985
CityGrand Isle
City Alias NameGRAND ISLE
CountyJefferson
County FIPS051
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 Businesses28
Number Of Employees163
Business First Quarter Payroll1307
Business Annual Payroll6196
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 District01
Congressional LandArea4030.23
Delivery Residential61
Delivery Business7
Delivery Total516
Preferred Last Line KeyY23809
Classification Code
Multi-County
CSA NameNew Orleans-Metairie-Slidell, LA-MS
CBSA_DIV_Name
City State KeyY23809
Land Area6.472000
Water Area5.105000
City Alias Code
City Mixed CaseGrand Isle
City Alias Mixed CaseGrand Isle
Box Count394
SFDU61
MFDU0
State ANSI22
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number213744
Unique ZIP Name
SSA State County Code19250
Medicare CBSA Code35380
Medicare CBSA NameNew Orleans-Metairie, LA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseJefferson

Louisiana Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]