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Homeowners Insurance in 70814

Getting the most affordable home insurance rates in 70814 just got easier for Baton Rouge, LA home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Baton Rouge. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Baton Rouge, LA Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 70814

When discussing Louisiana homeowners insurance rates, Baton Rouge residents are finding new ways to save time and money by discovering lower rates when they shop online. Louisiana may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 3. Residents that live within the 70814 zipcode are currently paying $1574 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Baton Rouge does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

70814 Home Insurance Average Premiums

Local 70814 homeowners insurance quotes comparison

$1324 /yr.

Shows Zip Code: 70814 lowest rates with discounts applied on average.

For the 70814, 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)
$1324 /yr.
Average Coverage:$1574 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1874 /yr.

What is the average home insurance cost for a home in 70814?

  • • The average homeowners insurance premium paid annually for a home in 70814 is around $1574 per year.

What does it cost on average per month for home insurance in 70814?

  • • Homeowners in 70814 pay a monthly average cost per month around $131.00.

What kind of discount could I get if I combine my home and auto insurance together in 70814?

  • • Autoowners in 70814 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 70814.
Review average rates in another zip code:
70817 homeowners insurance rates
70803 homeowners insurance rates
70805 homeowners insurance rates
70820 homeowners insurance rates
70808 homeowners insurance rates
70812 homeowners insurance rates
70806 homeowners insurance rates
70810 homeowners insurance rates
70809 homeowners insurance rates
70816 homeowners insurance rates

Home Replacement Cost Coverage in 70814

Average Building Cost Per Square Foot in 70814: $122

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

Average Square Footage in 70814: 1,311 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70814 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 70814 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 70814 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,311 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$1221,311$160,000
Additional Upgrades & Added Features$1531,311$200,000
Major Home Updates or Advancements$1831,311$240,000

It's important to understand that when you estimate your replacement cost of your home in the 70814 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 70814

Best Home & Auto Insurance Agencies in 70814

Allstate Insurance Company - Willie Beathley

Address: 3058 Monterrey Dr Baton Rouge, LA 70814
Phone:
Website: http://www.allstateagencies.com/047647?cid=OTC-YP.com-IYP&att=TL
Info:

Burley- Robert E

Address: 3213 Monterrey Dr Baton Rouge, LA 70814
Phone:
Website:
Info:

Rosalind B Campbell - Allstate Agent

Address: 8122 Greenwell Springs Rd Baton Rouge, LA 70814
Phone:
Website: http://www.allstateagencies.com/RCampbell/Welcome/
Info:

Housing Demographics for 70814

Population Review for 70814 Zip Code

For the city of Baton Rouge, the population within 70814 has increased to over 15,171 residents in population size. The current population total is 14,061. We have broken down the population based on race below. In 70814, there are over 6496 in male population and 7565 females.

PopulationValues
Total Population14,061
White Population1182
Black Population11846
Hispanic Population659
Asian Population174
Hawaiian Population4
Indian Population63
Other Population432
Male Population6496
Female Population7565
Population Estimate15171

Household Data for 70814

The average number of homes in 70814 is around 5,224, there are an average of 2.69 per household. The average house value according to local real estate values is around $160,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,224
Persons Per Household2.69
Average House Value$160,000
Income Per Household$47116
Median Age37.6
Median Age Male34.7
Median Age Female39.8
70814 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 Businesses347
Number Of Employees3985
Business First Quarter Payroll41110
Business Annual Payroll191297
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|06
Congressional LandArea1268.48|4033.89
Delivery Residential5640
Delivery Business573
Delivery Total6481
Preferred Last Line KeyY23370
Classification Code
Multi-County
CSA NameBaton Rouge-Hammond, LA
CBSA_DIV_Name
City State KeyY23370
Land Area8.918000
Water Area0.000000
City Alias Code
City Mixed CaseBaton Rouge
City Alias Mixed CaseBaton Rouge
Box Count0
SFDU4596
MFDU676
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 […]