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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.
Review average rates in another zip code:
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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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$122659$80,400
Additional Upgrades & Added Features$153659$100,500
Major Home Updates or Advancements$183659$120,600

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 Homeowners Insurance Agencies in 70805

Best Home & Auto Insurance Agencies in 70805

Williams- Michael J

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

ACE Cash Express

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

Banner Insurance Agency Inc

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

Jerry Guffey Insurance

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

Direct General Insurance Agency Inc - Baton Rouge

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

PopulationValues
Total Population26,025
White Population868
Black Population24182
Hispanic Population460
Asian Population45
Hawaiian Population1
Indian Population50
Other Population261
Male Population12183
Female Population13842
Population Estimate28052

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 DataValues
Households Per Zipcode9,773
Persons Per Household2.65
Average House Value$80,400
Income Per Household$25661
Median Age34.5
Median Age Male32.4
Median Age Female36.1
70805 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 Businesses465
Number Of Employees8072
Business First Quarter Payroll149540
Business Annual Payroll610526
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 District02
Congressional LandArea1268.48
Delivery Residential10586
Delivery Business975
Delivery Total11560
Preferred Last Line KeyY23370
Classification Code
Multi-County
CSA NameBaton Rouge-Hammond, LA
CBSA_DIV_Name
City State KeyY23370
Land Area11.366000
Water Area0.635000
City Alias Code
City Mixed CaseBaton Rouge
City Alias Mixed CaseBaton Rouge
Box Count0
SFDU8400
MFDU1979
State ANSI22
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
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 […]