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70706 Homeowners Insurance Quotes & Coverage Options
If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 70706 zip code find a great new policy that offers the coverage they need at a price they can afford.
GetHomeInsuranceQuotes.com makes shopping for a new policy in Denham Springs, LA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 70706.
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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 70706 and start shopping.
Quickly and Easily Compare Average Rates for 70706
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Denham Springs, LA home insurance quotes in your local city and review the most competitive coverages and premiums.
Average Policy Rates in 70706
Homeowners in Denham Springs are paying roughly $1562 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.
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70706 Home Insurance Average Premiums
$1312 /yr.
Shows Zip Code: 70706 lowest rates with discounts applied on average.
For the 70706, 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) | $1312 /yr. |
| Average Coverage: | $1562 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1862 /yr. |
What is the average home insurance cost for a home in 70706?
- • The average homeowners insurance premium paid annually for a home in 70706 is around $1562 per year.
What does it cost on average per month for home insurance in 70706?
- • Homeowners in 70706 pay a monthly average cost per month around $130.00.
What kind of discount could I get if I combine my home and auto insurance together in 70706?
- • Autoowners in 70706 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 Denham Springs area, check out other zip codes nearby 70706.
Review average rates in another zip code:
70706 homeowners insurance rates
70726 homeowners insurance rates
Home Replacement Cost Coverage in 70706
Average Building Cost Per Square Foot in 70706: $122
Location: Denham Springs, Louisiana (Livingston County)Average Square Footage in 70706: 1,602 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 70706 before you start any project. Denham Springs 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 70706 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 70706 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,602 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 Denham Springs 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 | 1,602 | $195,400 |
| Additional Upgrades & Added Features | $153 | 1,602 | $244,250 |
| Major Home Updates or Advancements | $183 | 1,602 | $293,100 |
It's important to understand that when you estimate your replacement cost of your home in the 70706 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 70706
Insurance Network of Louisiana
Address: 11445 Coursey Boulevard Coursey Denham Springs, LA 70706Phone: (225)665-1015
Website: www.lainsurance.net
Best Home & Auto Insurance Agencies in 70706
Total Insurance of Watson Incorporated
Address: 35652 Old La Hwy 16 Denham Springs, LA 70706Phone:
Website: http://www.progressiveagent.com/michael-scott-hymel-denham-springs
Info:
Total Insurance of Watson Inc
Address: 34908 Old La Highway 16 Denham Springs, LA 70706Phone:
Website:
Info:
Housing Demographics for 70706
Population Review for 70706 Zip Code
For the city of Denham Springs, the population within 70706 has increased to over 24,994 residents in population size. The current population total is 22,476. We have broken down the population based on race below. In 70706, there are over 10982 in male population and 11494 females.
| Population | Values |
|---|---|
| Total Population | 22,476 |
| White Population | 19252 |
| Black Population | 1363 |
| Hispanic Population | 978 |
| Asian Population | 128 |
| Hawaiian Population | 10 |
| Indian Population | 85 |
| Other Population | 248 |
| Male Population | 10982 |
| Female Population | 11494 |
| Population Estimate | 24994 |
Household Data for 70706
The average number of homes in 70706 is around 8,004, there are an average of 2.81 per household. The average house value according to local real estate values is around $195,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 8,004 |
| Persons Per Household | 2.81 |
| Average House Value | $195,400 |
| Income Per Household | $84790 |
| Median Age | 36.1 |
| Median Age Male | 35.2 |
| Median Age Female | 36.9 |
| 70706 Details | Values |
|---|---|
| State | LA |
| State Full Name | Louisiana |
| City Type | P |
| City Alias Abbreviation | DENHAM SPGS |
| Area Code | 225 |
| City | Denham Springs |
| City Alias Name | DENHAM SPRINGS |
| County | Livingston |
| County FIPS | 063 |
| 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 | 237 |
| Number Of Employees | 2222 |
| Business First Quarter Payroll | 16353 |
| Business Annual Payroll | 79399 |
| 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 | 05|06 |
| Congressional LandArea | 14452.88|4033.89 |
| Delivery Residential | 8895 |
| Delivery Business | 198 |
| Delivery Total | 9037 |
| Preferred Last Line Key | Y23611 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Baton Rouge-Hammond, LA |
| CBSA_DIV_Name | |
| City State Key | Y23611 |
| Land Area | 52.905000 |
| Water Area | 0.910000 |
| City Alias Code | |
| City Mixed Case | Denham Springs |
| City Alias Mixed Case | Denham Springs |
| Box Count | 0 |
| SFDU | 8379 |
| MFDU | 41 |
| State ANSI | 22 |
| County ANSI | 063 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 212236 |
| Unique ZIP Name | |
| SSA State County Code | 19310 |
| Medicare CBSA Code | 12940 |
| Medicare CBSA Name | Baton Rouge, LA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 5 |
| County Mixed Case | Livingston |
Louisiana Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]