Compare quotes for your home in 70454! Compare the best 12 carriers in minutes.
70454 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 70454? Our rates are very competitive for homeowners living in Ponchatoula, LA. Many homeowners based out of your 70454 area 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 homeowners insurance quotes are free 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. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 70454 should appear in the zip code field ready to go. For Ponchatoula, LA Home Insurance Rate Quotes click to review the best rates and service online!
70454 Average Premium is Rated: Very High!
Homeowners living in 70454 can easily save up to 40% off the average home insurance premium of $1563 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Ponchatoula that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 70454 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!
70454 Home Insurance Average Premiums
$1313 /yr.
Shows Zip Code: 70454 lowest rates with discounts applied on average.
For the 70454, 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) | $1313 /yr. |
| Average Coverage: | $1563 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1863 /yr. |
What is the average home insurance cost for a home in 70454?
- • The average homeowners insurance premium paid annually for a home in 70454 is around $1563 per year.
What does it cost on average per month for home insurance in 70454?
- • Homeowners in 70454 pay a monthly average cost per month around $130.00.
What kind of discount could I get if I combine my home and auto insurance together in 70454?
- • Autoowners in 70454 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 Ponchatoula area, check out other zip codes nearby 70454.
Review average rates in another zip code:
70454 homeowners insurance rates
Home Replacement Cost Coverage in 70454
Average Building Cost Per Square Foot in 70454: $122
Location: Ponchatoula, Louisiana (Tangipahoa County)Average Square Footage in 70454: 1,489 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 70454 before you start any project. Ponchatoula 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 70454 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 70454 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,489 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 Ponchatoula 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $122 | 1,489 | $181,600 |
| Additional Upgrades & Added Features | $153 | 1,489 | $227,000 |
| Major Home Updates or Advancements | $183 | 1,489 | $272,400 |
It's important to understand that when you estimate your replacement cost of your home in the 70454 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 70454
Powell & Associates Insurance LLC
Address: 1440 Highway 51 Ponchatoula, LA 70454Phone: (985)386-8542
Website:
Jackson-Vaughan Agency Inc
Address: 121 West Pine Street Ponchatoula, LA 70454Phone: (985)386-3511
Website: northlakeins.net
Best Home & Auto Insurance Agencies in 70454
Jackson-Vaughan Agency Inc
Address: 121 W Pine St Ponchatoula, LA 70454Phone:
Website: http://www.northlakeins.net
Info:
State Farm Insurance
Address: 1513 US-51-BR Ponchatoula, LA 70454Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Powell & Associates Insurance, Llc
Address: 1440 Highway 51 Ponchatoula, LA 70454Phone:
Website: http://www.progressiveagent.com/powell-associates-insurance-llc-ponchatoula
Info:
Allstate Insurance Company - Joseph Abene
Address: 760 W Pine St Ponchatoula, LA 70454Phone:
Website: http://www.allstateagencies.com/004024?cid=OTC-YP.com-IYP&att=TL
Info:
Housing Demographics for 70454
Population Review for 70454 Zip Code
For the city of Ponchatoula, the population within 70454 has increased to over 37,283 residents in population size. The current population total is 32,154. We have broken down the population based on race below. In 70454, there are over 15574 in male population and 16580 females.
| Population | Values |
|---|---|
| Total Population | 32,154 |
| White Population | 24358 |
| Black Population | 4892 |
| Hispanic Population | 1671 |
| Asian Population | 205 |
| Hawaiian Population | 5 |
| Indian Population | 130 |
| Other Population | 469 |
| Male Population | 15574 |
| Female Population | 16580 |
| Population Estimate | 37283 |
Household Data for 70454
The average number of homes in 70454 is around 12,457, there are an average of 2.56 per household. The average house value according to local real estate values is around $181,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 12,457 |
| Persons Per Household | 2.56 |
| Average House Value | $181,600 |
| Income Per Household | $58581 |
| Median Age | 38.1 |
| Median Age Male | 37.2 |
| Median Age Female | 39.0 |
| 70454 Details | Values |
|---|---|
| State | LA |
| State Full Name | Louisiana |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 985 |
| City | Ponchatoula |
| City Alias Name | PONCHATOULA |
| County | Tangipahoa |
| County FIPS | 105 |
| State FIPS | 22 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 132 |
| CBSA | 25220 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Hammond, LA |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | West South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 422 |
| Number Of Employees | 4654 |
| Business First Quarter Payroll | 36751 |
| Business Annual Payroll | 173690 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 121097 |
| CBSA Division Population | 0 |
| Congressional District | 01|05 |
| Congressional LandArea | 4030.23|14452.88 |
| Delivery Residential | 14564 |
| Delivery Business | 417 |
| Delivery Total | 15894 |
| Preferred Last Line Key | Y24333 |
| Classification Code | |
| Multi-County | |
| CSA Name | Baton Rouge-Hammond, LA |
| CBSA_DIV_Name | |
| City State Key | Y24333 |
| Land Area | 174.560000 |
| Water Area | 4.637000 |
| City Alias Code | |
| City Mixed Case | Ponchatoula |
| City Alias Mixed Case | Ponchatoula |
| Box Count | 732 |
| SFDU | 13118 |
| MFDU | 188 |
| State ANSI | 22 |
| County ANSI | 105 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 217189 |
| Unique ZIP Name | |
| SSA State County Code | 19520 |
| Medicare CBSA Code | 25220 |
| Medicare CBSA Name | Hammond, LA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 5 |
| County Mixed Case | Tangipahoa |
Louisiana Homeowners Insurance News & Information
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
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Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
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Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]