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Compare 70605 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Lake Charles just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 16,192 neighbors looking to save on their home insurance policy in the local 70605 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 70605. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Louisiana rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Lake Charles, LA home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Lake Charles, LA

70605 Home Insurance Average Premiums

Local 70605 homeowners insurance quotes comparison

$1284 /yr.

Shows Zip Code: 70605 lowest rates with discounts applied on average.

For the 70605, 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)
$1284 /yr.
Average Coverage:$1534 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1834 /yr.

What is the average home insurance cost for a home in 70605?

  • • The average homeowners insurance premium paid annually for a home in 70605 is around $1534 per year.

What does it cost on average per month for home insurance in 70605?

  • • Homeowners in 70605 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 70605?

  • • Autoowners in 70605 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 Lake Charles area, check out other zip codes nearby 70605.
Review average rates in another zip code:
70607 homeowners insurance rates
70615 homeowners insurance rates
70605 homeowners insurance rates
70601 homeowners insurance rates
70611 homeowners insurance rates

Home Replacement Cost Coverage in 70605

Average Building Cost Per Square Foot in 70605: $122

Location: Lake Charles, Louisiana (Calcasieu County)

Average Square Footage in 70605: 2,046 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 70605 before you start any project. Lake Charles 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 70605 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 70605 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,046 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 Lake Charles 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$1222,046$249,600
Additional Upgrades & Added Features$1532,046$312,000
Major Home Updates or Advancements$1832,046$374,400

It's important to understand that when you estimate your replacement cost of your home in the 70605 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 70605

Allstate Insurance - J. Patrick Hight

Address: 3405 Lake Street Lake Charles, LA 70605
Phone: (337)474-2020
Website:

Allstate Insurance - Scott Raley

Address: 4415 Lake Street Suite B Lake Charles, LA 70605
Phone: (337)474-3500
Website:

Allstate Insurance - Susan Morris

Address: 1936 Southwood Dr Ste B Lake Charles, LA 70605
Phone: (337)480-0099
Website:

Southern Casualty Insurance

Address: 420 West McNeese Street # B Lake Charles, LA 70605
Phone: (337)439-5044
Website:

ICT Group Llc

Address: 405 E St Peter P.O. Box 3751 Lake Charles, LA 70605
Phone: (337)478-6730
Website: progressive.com

Best Home & Auto Insurance Agencies in 70605

Jim Mitchell Ins Agy Inc - State Farm Insurance Agent

Address: 830 University Dr Lake Charles, LA 70605
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Roy Collins Ins Agcy Inc - State Farm Insurance Agent

Address: 3616 Ryan St Lake Charles, LA 70605
Phone:
Website:
Info:

Allstate Insurance - J. Patrick Hight

Address: 3405 Lake St Lake Charles, LA 70605
Phone:
Website:
Info:

Southern Casualty Insurance

Address: 420 W McNeese St Lake Charles, LA 70605
Phone:
Website:
Info:

Hunter Perrin Ins Agcy Inc

Address: 4412 Nelson Rd Lake Charles, LA 70605
Phone:
Website:
Info:

Housing Demographics for 70605

Population Review for 70605 Zip Code

For the city of Lake Charles, the population within 70605 has increased to over 41,458 residents in population size. The current population total is 39,903. We have broken down the population based on race below. In 70605, there are over 19415 in male population and 20488 females.

PopulationValues
Total Population39,903
White Population30053
Black Population4257
Hispanic Population2545
Asian Population1913
Hawaiian Population57
Indian Population198
Other Population938
Male Population19415
Female Population20488
Population Estimate41458

Household Data for 70605

The average number of homes in 70605 is around 16,192, there are an average of 2.45 per household. The average house value according to local real estate values is around $249,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,192
Persons Per Household2.45
Average House Value$249,600
Income Per Household$81404
Median Age38.0
Median Age Male36.9
Median Age Female39.2
70605 DetailsValues
StateLA
State Full NameLouisiana
City TypeP
City Alias Abbreviation
Area Code337
CityLake Charles
City Alias NameLAKE CHARLES
CountyCalcasieu
County FIPS019
State FIPS22
Time Zone6
Day Light SavingY
MSA3960
PMSA
CSA324
CBSA29340
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLake Charles, LA
MSA_NameLake Charles, LA MSA
PMSA_Name
RegionSouth
DivisionWest South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses891
Number Of Employees11178
Business First Quarter Payroll105709
Business Annual Payroll472756
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population199607
CBSA Division Population0
Congressional District03
Congressional LandArea6983.32
Delivery Residential16922
Delivery Business922
Delivery Total17650
Preferred Last Line KeyY23993
Classification Code
Multi-County
CSA NameLake Charles-DeRidder, LA
CBSA_DIV_Name
City State KeyY23993
Land Area42.962000
Water Area5.365000
City Alias Code
City Mixed CaseLake Charles
City Alias Mixed CaseLake Charles
Box Count0
SFDU11206
MFDU2946
State ANSI22
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number215057
Unique ZIP Name
SSA State County Code19090
Medicare CBSA Code29340
Medicare CBSA NameLake Charles, LA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseCalcasieu

Louisiana Homeowners Insurance News & Information

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]