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70646 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 70646 zip code it's important to know that our rates are very competitive for homeowners living in Hayes, LA. Many homeowners based out of your 70646 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 home 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 70646 should appear in the zip code field ready to go. For Hayes, LA Homeowners Insurance Quotes nearby, we offer the best rates and service.

70646: Average Home Insurance Rates

For homeowners living in the great city of Hayes, the average homeowners policy is considered very high in comparison to other states. Louisiana premiums are estimated to be around $1504 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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70646 Home Insurance Average Premiums

Local 70646 homeowners insurance quotes comparison

$1254 /yr.

Shows Zip Code: 70646 lowest rates with discounts applied on average.

For the 70646, 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)
$1254 /yr.
Average Coverage:$1504 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1804 /yr.

What is the average home insurance cost for a home in 70646?

  • • The average homeowners insurance premium paid annually for a home in 70646 is around $1504 per year.

What does it cost on average per month for home insurance in 70646?

  • • Homeowners in 70646 pay a monthly average cost per month around $125.00.

What kind of discount could I get if I combine my home and auto insurance together in 70646?

  • • Autoowners in 70646 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 Hayes area, check out other zip codes nearby 70646.
Review average rates in another zip code:
70646 homeowners insurance rates

Home Replacement Cost Coverage in 70646

Average Building Cost Per Square Foot in 70646: $122

Location: Hayes, Louisiana (Calcasieu County)

Average Square Footage in 70646: 1,253 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70646 before you start any project. Hayes 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 70646 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 70646 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,253 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 Hayes 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$1221,253$152,900
Additional Upgrades & Added Features$1531,253$191,125
Major Home Updates or Advancements$1831,253$229,350

It's important to understand that when you estimate your replacement cost of your home in the 70646 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 70646

Best Home & Auto Insurance Agencies in 70646

Housing Demographics for 70646

Population Review for 70646 Zip Code

For the city of Hayes, the population within 70646 has increased to over 0 residents in population size. The current population total is 837. We have broken down the population based on race below. In 70646, there are over 374 in male population and 463 females.

PopulationValues
Total Population837
White Population793
Black Population10
Hispanic Population26
Asian Population0
Hawaiian Population0
Indian Population4
Other Population8
Male Population374
Female Population463
Population Estimate0

Household Data for 70646

The average number of homes in 70646 is around 345, there are an average of 2.43 per household. The average house value according to local real estate values is around $152,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode345
Persons Per Household2.43
Average House Value$152,900
Income Per Household$0
Median Age43.2
Median Age Male41.9
Median Age Female44.5
70646 DetailsValues
StateLA
State Full NameLouisiana
City TypeZ
City Alias Abbreviation
Area Code337
CityHayes
City Alias NameHAYES
CountyCalcasieu
County FIPS019
State FIPS22
Time Zone6
Day Light SavingY
MSA3960
PMSA
CSA324
CBSA29340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLake Charles, LA
MSA_NameLake Charles, LA MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees12
Business First Quarter Payroll86
Business Annual Payroll425
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population199607
CBSA Division Population0
Congressional District03
Congressional LandArea6983.32
Delivery Residential0
Delivery Business0
Delivery Total204
Preferred Last Line KeyY23850
Classification CodeP
Multi-County
CSA NameLake Charles-DeRidder, LA
CBSA_DIV_Name
City State KeyY23850
Land Area9.723000
Water Area0.136000
City Alias Code
City Mixed CaseHayes
City Alias Mixed CaseHayes
Box Count201
SFDU0
MFDU0
State ANSI22
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number214095
Unique ZIP Name
SSA State County Code19090
Medicare CBSA Code29340
Medicare CBSA NameLake Charles, LA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseCalcasieu

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 […]