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Check Out 70812 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Baton Rouge, LA.

We will gather some basic information about your home in Baton Rouge, LA and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Louisiana licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 70812 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 70812

We have pulled together a variety of data related to homeowners insurance in Louisiana. Simply click on one of the links below to learn about the average cost of homeowners insurance in Louisiana as well as local coverage options.

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.

70812 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 70812 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Louisiana is roughly $1532. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 70812 homeowners insurance policy!

70812 Home Insurance Average Premiums

Local 70812 homeowners insurance quotes comparison

$1282 /yr.

Shows Zip Code: 70812 lowest rates with discounts applied on average.

For the 70812, 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 70812?

  • • The average homeowners insurance premium paid annually for a home in 70812 is around $1532 per year.

What does it cost on average per month for home insurance in 70812?

  • • Homeowners in 70812 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 70812?

  • • Autoowners in 70812 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 70812.
Review average rates in another zip code:
70820 homeowners insurance rates
70809 homeowners insurance rates
70817 homeowners insurance rates
70816 homeowners insurance rates
70803 homeowners insurance rates
70819 homeowners insurance rates
70818 homeowners insurance rates
70802 homeowners insurance rates
70815 homeowners insurance rates
70814 homeowners insurance rates

Home Replacement Cost Coverage in 70812

Average Building Cost Per Square Foot in 70812: $122

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

Average Square Footage in 70812: 973 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70812 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 70812 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 70812 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 973 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$122973$118,700
Additional Upgrades & Added Features$153973$148,375
Major Home Updates or Advancements$183973$178,050

It's important to understand that when you estimate your replacement cost of your home in the 70812 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 70812

Best Home & Auto Insurance Agencies in 70812

Housing Demographics for 70812

Population Review for 70812 Zip Code

For the city of Baton Rouge, the population within 70812 has increased to over 11,412 residents in population size. The current population total is 10,976. We have broken down the population based on race below. In 70812, there are over 4996 in male population and 5980 females.

PopulationValues
Total Population10,976
White Population363
Black Population10120
Hispanic Population413
Asian Population4
Hawaiian Population5
Indian Population27
Other Population251
Male Population4996
Female Population5980
Population Estimate11412

Household Data for 70812

The average number of homes in 70812 is around 3,793, there are an average of 2.82 per household. The average house value according to local real estate values is around $118,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,793
Persons Per Household2.82
Average House Value$118,700
Income Per Household$40324
Median Age36.0
Median Age Male32.0
Median Age Female39.2
70812 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 Businesses40
Number Of Employees413
Business First Quarter Payroll3308
Business Annual Payroll13280
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 Residential4047
Delivery Business61
Delivery Total4256
Preferred Last Line KeyY23370
Classification Code
Multi-County
CSA NameBaton Rouge-Hammond, LA
CBSA_DIV_Name
City State KeyY23370
Land Area4.483000
Water Area0.000000
City Alias Code
City Mixed CaseBaton Rouge
City Alias Mixed CaseBaton Rouge
Box Count0
SFDU3496
MFDU279
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 […]