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Home Insurance in 70803

One of the best ways to save money on your homeowners insurance policy in the 70803 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Baton Rouge, LA. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Louisiana licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 70803 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 70803

Find Baton Rouge, LA Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 70803

According to industry data, homeowners located in Baton Rouge pay roughly $1522 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 70803 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Louisiana home insurance premiums found that premiums in 70803 are 3 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 70803 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 70803.

Let us find you a great policy at an affordable price, get 70803 homeowners insurance quotes now.

70803 Home Insurance Average Premiums

Local 70803 homeowners insurance quotes comparison

$1272 /yr.

Shows Zip Code: 70803 lowest rates with discounts applied on average.

For the 70803, 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)
$1272 /yr.
Average Coverage:$1522 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1822 /yr.

What is the average home insurance cost for a home in 70803?

  • • The average homeowners insurance premium paid annually for a home in 70803 is around $1522 per year.

What does it cost on average per month for home insurance in 70803?

  • • Homeowners in 70803 pay a monthly average cost per month around $127.00.

What kind of discount could I get if I combine my home and auto insurance together in 70803?

  • • Autoowners in 70803 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 Baton Rouge area, check out other zip codes nearby 70803.
Review average rates in another zip code:
70820 homeowners insurance rates
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70807 homeowners insurance rates
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70810 homeowners insurance rates
70803 homeowners insurance rates

Home Replacement Cost Coverage in 70803

Average Building Cost Per Square Foot in 70803: $122

Location: Baton Rouge, Louisiana (East Baton Rouge County)

Average Square Footage in 70803: 1,352 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70803 before you start any project. Baton Rouge 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 70803 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 70803 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,352 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 Baton Rouge 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$1221,352$165,000
Additional Upgrades & Added Features$1531,352$206,250
Major Home Updates or Advancements$1831,352$247,500

It's important to understand that when you estimate your replacement cost of your home in the 70803 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 70803

Best Home & Auto Insurance Agencies in 70803

Housing Demographics for 70803

Population Review for 70803 Zip Code

For the city of Baton Rouge, the population within 70803 has increased to over 0 residents in population size. The current population total is 3,587. We have broken down the population based on race below. In 70803, there are over 1428 in male population and 2159 females.

PopulationValues
Total Population3,587
White Population2758
Black Population543
Hispanic Population196
Asian Population137
Hawaiian Population3
Indian Population7
Other Population61
Male Population1428
Female Population2159
Population Estimate0

Household Data for 70803

The average number of homes in 70803 is around 7, there are an average of 2.86 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7
Persons Per Household2.86
Average House Value$165,000
Income Per Household$0
Median Age19.4
Median Age Male19.5
Median Age Female19.4
70803 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code225
CityBaton Rouge
City Alias NameBATON ROUGE
CountyEast Baton Rouge
County FIPS033
State FIPS22
Time Zone6
Day Light SavingY
MSA0760
PMSA
CSA132
CBSA12940
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBaton Rouge, LA
MSA_NameBaton Rouge, LA MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses61
Number Of Employees982
Business First Quarter Payroll4990
Business Annual Payroll20662
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population802484
CBSA Division Population0
Congressional District06
Congressional LandArea4033.89
Delivery Residential0
Delivery Business2
Delivery Total588
Preferred Last Line KeyY23370
Classification CodeU
Multi-County
CSA NameBaton Rouge-Hammond, LA
CBSA_DIV_Name
City State KeyY23370
Land Area0.233000
Water Area0.011000
City Alias CodeUP
City Mixed CaseBaton Rouge
City Alias Mixed CaseBaton Rouge
Box Count0
SFDU0
MFDU0
State ANSI22
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number210624
Unique ZIP Name
SSA State County Code19160
Medicare CBSA Code12940
Medicare CBSA NameBaton Rouge, LA
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseEast Baton Rouge

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 […]