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70816 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 70816 zip code it's important to know that our rates are very competitive for homeowners living in Baton Rouge, LA. Many homeowners based out of your 70816 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Louisiana licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 70816 should appear in the zip code field ready to go. For Baton Rouge, LA Homeowners Insurance Quotes nearby, we offer the best rates and service.

70816: Average Home Insurance Rates

For homeowners living in the great city of Baton Rouge, the average homeowners policy is considered very high in comparison to other states. Louisiana premiums are estimated to be around $1551 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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70816 Home Insurance Average Premiums

Local 70816 homeowners insurance quotes comparison

$1301 /yr.

Shows Zip Code: 70816 lowest rates with discounts applied on average.

For the 70816, 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)
$1301 /yr.
Average Coverage:$1551 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1851 /yr.

What is the average home insurance cost for a home in 70816?

  • • The average homeowners insurance premium paid annually for a home in 70816 is around $1551 per year.

What does it cost on average per month for home insurance in 70816?

  • • Homeowners in 70816 pay a monthly average cost per month around $129.00.

What kind of discount could I get if I combine my home and auto insurance together in 70816?

  • • Autoowners in 70816 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 70816.
Review average rates in another zip code:
70812 homeowners insurance rates
70818 homeowners insurance rates
70819 homeowners insurance rates
70807 homeowners insurance rates
70808 homeowners insurance rates
70820 homeowners insurance rates
70805 homeowners insurance rates
70802 homeowners insurance rates
70803 homeowners insurance rates
70817 homeowners insurance rates

Home Replacement Cost Coverage in 70816

Average Building Cost Per Square Foot in 70816: $122

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

Average Square Footage in 70816: 1,591 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70816 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 70816 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 70816 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,591 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$1221,591$194,100
Additional Upgrades & Added Features$1531,591$242,625
Major Home Updates or Advancements$1831,591$291,150

It's important to understand that when you estimate your replacement cost of your home in the 70816 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 70816

The Louisiana Insurance Center

Address: 5432 Superior Drive Baton Rouge, LA 70816
Phone: (225)292-7680
Website: www.lainsurancegroup.com

Insurance Network of Louisiana

Address: 11445 Coursey Boulevard Baton Rouge, LA 70816
Phone: (225)293-0450
Website: www.lainsurance.net

Intergroup Insurance Company

Address: 14689 Old Hammond Highway Baton Rouge, LA 70816
Phone: (225)275-9411
Website:

Louisiana Gulf Insurance Agency Inc

Address: 14689 Old Hammond Highway Baton Rouge, LA 70816
Phone: (225)272-4004
Website:

Persac Insurance Agency Inc

Address: 9938 Airline Highway # 3 Baton Rouge, LA 70816
Phone: (225)924-5317
Website: www.reandp.com

Best Home & Auto Insurance Agencies in 70816

The Louisiana Insurance Center

Address: 5432 Superior Dr Baton Rouge, LA 70816
Phone:
Website: http://www.lainsurancegroup.com
Info:

Progressive Insurance

Address: 5714 Superior Dr Baton Rouge, LA 70816
Phone:
Website:
Info:

ABC Insurance Agencies

Address: 11420 Airline Hwy Baton Rouge, LA 70816
Phone:
Website:
Info:

Griffith- Craig W - State Farm Insurance Agent

Address: 14506 S Harrells Ferry Rd Baton Rouge, LA 70816
Phone:
Website:
Info:

The General Automobile Insurance Services

Address: 4592 S Sherwood Forest Blvd Baton Rouge, LA 70816
Phone:
Website: http://www.thegeneral.com
Info:

Housing Demographics for 70816

Population Review for 70816 Zip Code

For the city of Baton Rouge, the population within 70816 has increased to over 46,750 residents in population size. The current population total is 45,232. We have broken down the population based on race below. In 70816, there are over 21226 in male population and 24006 females.

PopulationValues
Total Population45,232
White Population17394
Black Population18437
Hispanic Population6107
Asian Population2354
Hawaiian Population14
Indian Population153
Other Population3852
Male Population21226
Female Population24006
Population Estimate46750

Household Data for 70816

The average number of homes in 70816 is around 19,054, there are an average of 2.35 per household. The average house value according to local real estate values is around $194,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode19,054
Persons Per Household2.35
Average House Value$194,100
Income Per Household$61215
Median Age34.2
Median Age Male32.9
Median Age Female35.3
70816 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 Businesses1505
Number Of Employees25749
Business First Quarter Payroll311564
Business Annual Payroll1319002
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 Residential19894
Delivery Business2225
Delivery Total22856
Preferred Last Line KeyY23370
Classification Code
Multi-County
CSA NameBaton Rouge-Hammond, LA
CBSA_DIV_Name
City State KeyY23370
Land Area16.279000
Water Area0.262000
City Alias Code
City Mixed CaseBaton Rouge
City Alias Mixed CaseBaton Rouge
Box Count0
SFDU9822
MFDU7868
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

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    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 […]

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  • 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 […]