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.

Save on 70816 Home Insurance Quotes!

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:
70809 homeowners insurance rates
70819 homeowners insurance rates
70810 homeowners insurance rates
70820 homeowners insurance rates
70802 homeowners insurance rates
70811 homeowners insurance rates
70803 homeowners insurance rates
70814 homeowners insurance rates
70815 homeowners insurance rates
70812 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$122	1,591	$194,100
Additional Upgrades & Added Features	$153	1,591	$242,625
Major Home Updates or Advancements	$183	1,591	$291,150

Calculate Your Dwelling Coverage in 70816

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

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:

Insurance Network of Louisiana

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

Persac Insurance Agency Inc

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

The Louisiana Insurance Center

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

Best Home & Auto Insurance Agencies in 70816

Don Esposito- CLU ChFC

Address: 5614 S Sherwood Forest Blvd Baton Rouge, LA 70816
Phone:
Website:
Info:

Direct General Insurance Agency Inc - Baton Rouge

Address: 4215 S Sherwood Forest Blvd, #3 Baton Rouge, LA 70816
Phone:
Website:
Info:

Guffey Insurance Agency Incorporated

Address: 11747 Wentling Ave Baton Rouge, LA 70816
Phone:
Website: http://www.guffeyinsurance.com/
Info:

Baton Rouge Insurance Agency

Address: 10734 Coursey Blvd Baton Rouge, LA 70816
Phone:
Website: http://www.bria.net/
Info:

The General Auto Insurance Services, Inc- Sherwood

Address: 11818 Coursey Blvd Baton Rouge, LA 70816
Phone:
Website: http://www.thegeneralins.biz/
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.

Population	Values
Total Population	45,232
White Population	17394
Black Population	18437
Hispanic Population	6107
Asian Population	2354
Hawaiian Population	14
Indian Population	153
Other Population	3852
Male Population	21226
Female Population	24006
Population Estimate	46750

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 Data	Values
Households Per Zipcode	19,054
Persons Per Household	2.35
Average House Value	$194,100
Income Per Household	$61215
Median Age	34.2
Median Age Male	32.9
Median Age Female	35.3

70816 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	1505
Number Of Employees	25749
Business First Quarter Payroll	311564
Business Annual Payroll	1319002
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	06
Congressional LandArea	4033.89
Delivery Residential	19894
Delivery Business	2225
Delivery Total	22856
Preferred Last Line Key	Y23370
Classification Code
Multi-County
CSA Name	Baton Rouge-Hammond, LA
CBSA_DIV_Name
City State Key	Y23370
Land Area	16.279000
Water Area	0.262000
City Alias Code
City Mixed Case	Baton Rouge
City Alias Mixed Case	Baton Rouge
Box Count	0
SFDU	9822
MFDU	7868
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

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 […]

Home Insurance Quotes in 70816!