Baton Rouge Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Baton Rouge


Home insurance is a hugely important part of owning a home. Fire, vandalism, theft, and wind damage are only a few of the perils for which home insurance can protect your dwelling and other personal belongings. Events like this occur frequently. When paired with the high cost of repairing or rebuilding a home, purchasing homeowners coverage can seem like a smart idea.

The price of a homeowners insurance policy is dependent on a number of factors. These include the following: dwelling value, value of your personal belongings, and the cost of the materials used to build your home. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Find out more info about what a home insurance policy covers.

Finding affordable home insurance in Baton Rouge starts with shopping around and comparing policies. Have a look at the summary below comparing average home insurance premiums in Baton Rouge to begin your home insurance search with as much knowledge as you can. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.


Baton Rouge, Louisiana, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Baton Rouge by insurance company

What you pay for homeowners insurance in Baton Rouge will depend on the insurance company you get your policy through. Centauri Specialty offers the most affordable home insurance in Baton Rouge, at just $1,032 per year. This compares favorably to the city’s average homeowners premium of $1,969.

Start your search for a home insurance policy by reviewing the cheapest companies in Baton Rouge, Louisiana, listed below.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN BATON ROUGE
CompanyAverage Annual Rate
Centauri Specialty$1,032
Shelter$1,190
State Farm$1,287
Gulfstream$1,306
Liberty$1,643

Average homeowners insurance costs in Baton Rouge by coverage level

The level of homeowners coverage you select has an impact on the insurance premiums you pay. In Baton Rouge, carrying $200K dwelling coverage costs an average of $1,474, while carrying additional coverage up to $400K costs $2,501 per year.


HOMEOWNERS INSURANCE RATES IN BATON ROUGE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,474
$400K Dwelling$2,501

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Baton Rouge home insurance rates by ZIP code

Home insurance costs can vary depending on what area of Baton Rouge in which you live. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

If you're looking for the cheapest homeowners insurance premiums in Baton Rouge, take at look at the 70809 ZIP code. In the 70809 area, homeowners coverage usually costs just $1,908 per year on average, which isa full $61 less than the overall average for Baton Rouge. Find the best places to live in Baton Rouge for cheap home insurance by looking at the following table.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN BATON ROUGE
ZIP CodeAverage Annual Home Insurance Rate
70809$1,908
70810$1,908
70808$1,932

Other areas of Baton Rouge, however, face homeowners rates that surpass the city average . These areas could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. The most expensive ZIP code for homeowners insurance in Baton Rouge is 70817, where the average annual rate is $2,096.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN BATON ROUGE
ZIP CodeAverage Annual Home Insurance Rate
70817$2,096
70813$2,015
70812$2,010

Money-saving tip for home and auto insurance in Baton Rouge: bundling

You might want to consider purchasing your auto and homeowners policies through the same company if you are searching for the best overall prices. Bundling home and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Baton Rouge could, in fact, lead to average annual savings of 9%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN BATON ROUGE
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$2,018
Southern Farm Bureau$2,178
Allstate$2,464
Progressive$2,634
State Farm$2,682

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. Call 855-493-9728 to speak with an insurance specialist today.


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