70805 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 70805 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Baton Rouge, LA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 70805.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 70805 and start shopping.

Quickly and Easily Compare Average Rates for 70805

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Baton Rouge, LA home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 70805

Homeowners in Baton Rouge are paying roughly $1532 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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70805 Home Insurance Average Premiums

Local 70805 homeowners insurance quotes comparison

$1282 /yr.

Shows Zip Code: 70805 lowest rates with discounts applied on average.

For the 70805, 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)	$1282 /yr.
Average Coverage:	$1532 /yr.
2600 sq. ft. or higher (all discounts applied)	$1832 /yr.

What is the average home insurance cost for a home in 70805?

• The average homeowners insurance premium paid annually for a home in 70805 is around $1532 per year.

What does it cost on average per month for home insurance in 70805?

• Homeowners in 70805 pay a monthly average cost per month around $128.00.

What kind of discount could I get if I combine my home and auto insurance together in 70805?

• Autoowners in 70805 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 70805.
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Home Replacement Cost Coverage in 70805

Average Building Cost Per Square Foot in 70805: $122

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

Average Square Footage in 70805: 659 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70805 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 70805 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 70805 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 659 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$122	659	$80,400
Additional Upgrades & Added Features	$153	659	$100,500
Major Home Updates or Advancements	$183	659	$120,600

Calculate Your Dwelling Coverage in 70805

It's important to understand that when you estimate your replacement cost of your home in the 70805 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 Home & Auto Insurance Agencies in 70805

Direct General Insurance Agency Inc - Baton Rouge

Address: 6189 Plank Rd Baton Rouge, LA 70805
Phone:
Website: http://www.direct-general.com
Info:

Williams- Michael J

Address: 6224 Winbourne Ave Baton Rouge, LA 70805
Phone:
Website:
Info:

Jerry Guffey Insurance

Address: 5930 Plank Rd Baton Rouge, LA 70805
Phone:
Website:
Info:

Banner Insurance Agency Inc

Address: 5559 Plank Rd Baton Rouge, LA 70805
Phone:
Website: http://www.bannerins.com
Info:

ACE Cash Express

Address: 5949 Plank Rd Baton Rouge, LA 70805
Phone:
Website: http://www.acecashexpress.com/
Info:

Housing Demographics for 70805

Population Review for 70805 Zip Code

For the city of Baton Rouge, the population within 70805 has increased to over 28,052 residents in population size. The current population total is 26,025. We have broken down the population based on race below. In 70805, there are over 12183 in male population and 13842 females.

Population	Values
Total Population	26,025
White Population	868
Black Population	24182
Hispanic Population	460
Asian Population	45
Hawaiian Population	1
Indian Population	50
Other Population	261
Male Population	12183
Female Population	13842
Population Estimate	28052

Household Data for 70805

The average number of homes in 70805 is around 9,773, there are an average of 2.65 per household. The average house value according to local real estate values is around $80,400. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	9,773
Persons Per Household	2.65
Average House Value	$80,400
Income Per Household	$25661
Median Age	34.5
Median Age Male	32.4
Median Age Female	36.1

70805 Details	Values
State	LA
State Full Name	Louisiana
City Type	P
City Alias Abbreviation
Area Code	225
City	Baton Rouge
City Alias Name	BATON ROUGE
County	East Baton Rouge
County FIPS	033
State FIPS	22
Time Zone	6
Day Light Saving	Y
MSA	0760
PMSA
CSA	132
CBSA	12940
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Baton Rouge, LA
MSA_Name	Baton Rouge, LA MSA
PMSA_Name
Region	South
Division	West South Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	465
Number Of Employees	8072
Business First Quarter Payroll	149540
Business Annual Payroll	610526
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	802484
CBSA Division Population	0
Congressional District	02
Congressional LandArea	1268.48
Delivery Residential	10586
Delivery Business	975
Delivery Total	11560
Preferred Last Line Key	Y23370
Classification Code
Multi-County
CSA Name	Baton Rouge-Hammond, LA
CBSA_DIV_Name
City State Key	Y23370
Land Area	11.366000
Water Area	0.635000
City Alias Code
City Mixed Case	Baton Rouge
City Alias Mixed Case	Baton Rouge
Box Count	0
SFDU	8400
MFDU	1979
State ANSI	22
County ANSI	033
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	210624
Unique ZIP Name
SSA State County Code	19160
Medicare CBSA Code	12940
Medicare CBSA Name	Baton Rouge, LA
Medicare CBSA Type	Metro
Market Rating Area ID	5
County Mixed Case	East Baton Rouge

Louisiana Homeowners Insurance News & Information

$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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]

Home Insurance Quotes in 70805!