Baton Rouge Homeowners Insurance

How to find affordable homeowners insurance in Baton Rouge


Among the most important aspects of owning a home is homeowners insurance. Along with your personal belongings, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a home, investing in homeowners coverage can seem like a great idea.

The price of a home insurance policy factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Learn more about what is covered by a homeowners insurance policy.

Finding the cheapest home insurance in Baton Rouge starts with shopping around and comparing policies. Have a look at the summary below comparing average homeowners insurance premiums in Baton Rouge to help you get as much information as possible when you start your search for homeowners insurance. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Baton Rouge, Louisiana, homeowners insurance — table of contents:
  1. Rates by insurance company
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling discounts

Homeowners insurance in Baton Rouge by company

Homeowners insurance rates in Baton Rouge vary from one insurance company to another. The most inexpensive home insurance in Baton Rouge comes from Centauri Specialty, which offers average annual rates of just $1,032 per year. This is more favorable than the city’s average home insurance premium of $1,969.

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


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

Average home insurance rates in Baton Rouge by coverage amount

The level of home coverage you select has an impact on your insurance premiums. Homeowners in Baton Rouge who carry $200K in dwelling coverage pay an average of $1,474 per year, while those with coverage up to $400K pay around $2,817 per year.


HOMEOWNERS INSURANCE RATES IN BATON ROUGE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$920
$200,000 Dwelling$1,474
$250,000 Dwelling$1,890
$400,000 Dwelling$2,817

Compare Homeowners Insurance Rates

Baton Rouge home insurance rates by ZIP code

Home insurance costs can vary depending on what part 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 most affordable 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, which isa full $61 less than the overall average for Baton Rouge. The below table shows the best places to live in Baton Rouge if you’re looking for affordable homeowners insurance.


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

Some parts of Baton Rouge, however, are prone to home insurance costs that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which could drive up premiums in the area. An average annual rate of $2,096 makes 70817 the most expensive ZIP code in Baton Rouge for home insurance.


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

Home insurance deductibles in Baton Rouge

One of the multiple decisions to be made when shopping for a homeowners policy is how high to set your deductible. A deductible is the amount for which a homeowner is responsible before an insurance company steps in to cover costs. The deductible chosen can change how much you pay in insurance premiums.

In general, choosing a lower deductible means that your insurance premiums will be higher. This means that those seeking lower insurance costs will want to seriously consider a higher homeowners deductible. It's worth calling out that a homeowners deductible should only be as high as you can reasonably pay if you actually suffer a loss.

The following chart outlines the average premiums affiliated with most deductibles.


HOMEOWNERS INSURANCE RATES BY DEDUCTIBLE TIER IN BATON ROUGE
Deductible LevelAverage Annual Home Insurance Rate
$500$2,028
$1,000$1,890
$1,500$1,844
$2,000$1,741
$5,000$1,581

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

You might want to consider purchasing your auto and home insurance policies through the same company if saving money is one of your concerns. Bundling home and auto insurance can be a good money-saving option. By bundling your policies, Baton Rouge homeowners could see annual savings of 9% on average.


CHEAPEST AUTO INSURANCE RATES WITH A POLICY BUNDLE IN BATON ROUGE
CompanyAvg. Annual Auto Insurance Rate (With 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.


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.