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Home Insurance in 70815
If your primary reason for shopping for homeowners insurance in the 70815 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Baton Rouge, LA. Many homeowners that live in the 70815 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Louisiana licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 70815 zip code should already appear in the zip code field ready to go. For Baton Rouge, LA Homeowners Insurance Quotes, Click to easily get started!
Average Homeowners Premiums in 70815
Homeowners living in the city of Baton Rouge are paying on average around $1479 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 70815 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Louisiana home insurance premiums have been recently ranked 3 in the country in terms of the annual cost of premiums. Because premiums in 70815 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.
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We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Baton Rouge. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!
70815 Home Insurance Average Premiums
For the 70815, 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) | $1229 /yr. |
Average Coverage: | $1479 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1779 /yr. |
What is the average home insurance cost for a home in 70815?
- • The average homeowners insurance premium paid annually for a home in 70815 is around $1479 per year.
What does it cost on average per month for home insurance in 70815?
- • Homeowners in 70815 pay a monthly average cost per month around $123.00.
What kind of discount could I get if I combine my home and auto insurance together in 70815?
- • Autoowners in 70815 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 70815.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 70815
Average Building Cost Per Square Foot in 70815: $122
Location: Baton Rouge, Louisiana (East Baton Rouge County)Average Square Footage in 70815: 1,517 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 70815 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 70815 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 70815 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,517 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 | 1,517 | $185,100 |
Additional Upgrades & Added Features | $153 | 1,517 | $231,375 |
Major Home Updates or Advancements | $183 | 1,517 | $277,650 |
It's important to understand that when you estimate your replacement cost of your home in the 70815 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 70815
A J McLin Insurance Agency Insurance
Address: 9642 Florida Boulevard Baton Rouge, LA 70815Phone: (225)928-7344
Website:
McLin A J Lutcf Insurance
Address: 9642 Florida Boulevard Baton Rouge, LA 70815Phone: (225)928-5243
Website:
Best Home & Auto Insurance Agencies in 70815
ACE Cash Express
Address: 12330 Florida Blvd Baton Rouge, LA 70815Phone:
Website: http://www.acecashexpress.com/
Info:
ABC Insurance Agencies
Address: 12330 Florida Blvd, Ste 5 Baton Rouge, LA 70815Phone:
Website: http://www.abcautoinsurance.com/
Info:
Allstate Insurance
Address: 9315 Cortana Pl Baton Rouge, LA 70815Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com
Hoffman- David L - State Farm Insurance Agent
Address: 11175 Florida Blvd Baton Rouge, LA 70815Phone:
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
Usagencies Direct Insurance
Address: 8894 Airline Hwy, #F Baton Rouge, LA 70815Phone:
Website: http://www.usagencies.com/
Info:
Housing Demographics for 70815
Population Review for 70815 Zip Code
For the city of Baton Rouge, the population within 70815 has increased to over 30,717 residents in population size. The current population total is 29,376. We have broken down the population based on race below. In 70815, there are over 13847 in male population and 15529 females.
Population | Values |
---|---|
Total Population | 29,376 |
White Population | 9065 |
Black Population | 14398 |
Hispanic Population | 3114 |
Asian Population | 2329 |
Hawaiian Population | 9 |
Indian Population | 135 |
Other Population | 2150 |
Male Population | 13847 |
Female Population | 15529 |
Population Estimate | 30717 |
Household Data for 70815
The average number of homes in 70815 is around 10,836, there are an average of 2.66 per household. The average house value according to local real estate values is around $185,100. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 10,836 |
Persons Per Household | 2.66 |
Average House Value | $185,100 |
Income Per Household | $53150 |
Median Age | 37.0 |
Median Age Male | 35.2 |
Median Age Female | 38.5 |
70815 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 | 717 |
Number Of Employees | 13526 |
Business First Quarter Payroll | 142855 |
Business Annual Payroll | 667124 |
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 | 02|06 |
Congressional LandArea | 1268.48|4033.89 |
Delivery Residential | 11548 |
Delivery Business | 1113 |
Delivery Total | 12961 |
Preferred Last Line Key | Y23370 |
Classification Code | |
Multi-County | |
CSA Name | Baton Rouge-Hammond, LA |
CBSA_DIV_Name | |
City State Key | Y23370 |
Land Area | 9.453000 |
Water Area | 0.000000 |
City Alias Code | |
City Mixed Case | Baton Rouge |
City Alias Mixed Case | Baton Rouge |
Box Count | 0 |
SFDU | 8497 |
MFDU | 2170 |
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
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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 […]