Get multiple home insurance quotes in 70820. Our licensed 70820, LA agents are ready to serve you.

Homeowners Insurance in 70820

In Baton Rouge, LA, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 70820 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will 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. Best of all, you can get up to 12 competitive quotes for your home in 70820 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 70820 should appear in the zip code field ready to go.

70820 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Louisiana, you are going to see rates around the average home insurance premium per year of $1457. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Baton Rouge home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 70820 Home Insurance Rates Now!

Best 3 Options to Compare in 70820

If you want homeowners insurance quotes within the city of Baton Rouge or in the 70820 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Baton Rouge, LA.

70820 Home Insurance Average Premiums

Local 70820 homeowners insurance quotes comparison

$1207 /yr.

Shows Zip Code: 70820 lowest rates with discounts applied on average.

For the 70820, 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)
$1207 /yr.
Average Coverage:$1457 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1757 /yr.

What is the average home insurance cost for a home in 70820?

  • • The average homeowners insurance premium paid annually for a home in 70820 is around $1457 per year.

What does it cost on average per month for home insurance in 70820?

  • • Homeowners in 70820 pay a monthly average cost per month around $121.00.

What kind of discount could I get if I combine my home and auto insurance together in 70820?

  • • Autoowners in 70820 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 70820.
Review average rates in another zip code:
70815 homeowners insurance rates
70819 homeowners insurance rates
70818 homeowners insurance rates
70805 homeowners insurance rates
70803 homeowners insurance rates
70816 homeowners insurance rates
70811 homeowners insurance rates
70817 homeowners insurance rates
70814 homeowners insurance rates
70812 homeowners insurance rates

Home Replacement Cost Coverage in 70820

Average Building Cost Per Square Foot in 70820: $122

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

Average Square Footage in 70820: 2,159 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70820 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 70820 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 70820 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,159 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$1222,159$263,400
Additional Upgrades & Added Features$1532,159$329,250
Major Home Updates or Advancements$1832,159$395,100

It's important to understand that when you estimate your replacement cost of your home in the 70820 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 70820

Best Home & Auto Insurance Agencies in 70820

Housing Demographics for 70820

Population Review for 70820 Zip Code

For the city of Baton Rouge, the population within 70820 has increased to over 27,424 residents in population size. The current population total is 23,470. We have broken down the population based on race below. In 70820, there are over 11499 in male population and 11971 females.

PopulationValues
Total Population23,470
White Population11829
Black Population6558
Hispanic Population3090
Asian Population1630
Hawaiian Population14
Indian Population97
Other Population1625
Male Population11499
Female Population11971
Population Estimate27424

Household Data for 70820

The average number of homes in 70820 is around 9,834, there are an average of 2.33 per household. The average house value according to local real estate values is around $263,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,834
Persons Per Household2.33
Average House Value$263,400
Income Per Household$32604
Median Age24.3
Median Age Male24.7
Median Age Female23.9
70820 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 Businesses195
Number Of Employees2695
Business First Quarter Payroll22472
Business Annual Payroll102591
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 Residential11770
Delivery Business250
Delivery Total11949
Preferred Last Line KeyY23370
Classification Code
Multi-County
CSA NameBaton Rouge-Hammond, LA
CBSA_DIV_Name
City State KeyY23370
Land Area20.586000
Water Area3.646000
City Alias Code
City Mixed CaseBaton Rouge
City Alias Mixed CaseBaton Rouge
Box Count0
SFDU2944
MFDU5418
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 […]