Home Insurance Quotes in 70401

Are you shopping for a cheaper homeowners insurance rate in 70401? Our rates are very competitive for homeowners living in Hammond, LA. Many homeowners located in the 70401 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Louisiana licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 70401. To get free 70401 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 70401 zip code should appear in the zip code field ready to go. Shopping Hammond, LA Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 70401 to review the best rate coverages.

Your 70401 Home Insurance Costs Is Rated: Very High!

For the great city of Hammond, the average home insurance premium paid annually is around $1544 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Louisiana specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Hammond and need insurance on your home in the 70401 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 70401 Homeowners Insurance Rates Now!

Average Building Cost Per Square Foot in 70401: $122

Average Square Footage in 70401: 1,470 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70401 before you start any project. Hammond 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 70401 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 70401 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,470 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 Hammond 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.

It's important to understand that when you estimate your replacement cost of your home in the 70401 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.

Jim Sledge Agency

Insurance Network of Louisiana Inc

Allstate Insurance Companies

A B C Insurance Agencies Inc

Johnson- Allen S

The General Automobile Insurance Services

Insurance Network of Louisiana Inc

Household Data for 70401

The average number of homes in 70401 is around 8,479, there are an average of 2.39 per household. The average house value according to local real estate values is around $179,400. Please review the following demographics below for average income and media age.

• Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

  Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

• Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

  Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

• Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

  Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]