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How to find affordable homeowners insurance in Baton Rouge

Among the most important aspects of owning a home is home 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 average homeowners policy costs $164 per month in Baton Rouge, Loiuisiana. This is more than the average American's monthly home insurance payment.

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.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings
 

 

Baton Rouge home insurance 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 home carriers in Baton Rouge, Louisiana, listed below. We also recommend you see our list of the best home insurance companies ranked by customer satisfaction, third-party ratings, and other factors. 

 
AFFORDABLE HOME INSURERS IN BATON ROUGE
Company Average monthly rate Average Annual Rate
Centauri Specialty $86 $1,032
Shelter $99 $1,190
State Farm $107 $1,287
Gulfstream $109 $1,306
Liberty Mutual $136 $1,643

 

Baton Rouge homeowners insurance prices by coverage level

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.

 
POPULAR COVERAGE LIMITS IN BATON ROUGE
Coverage Level Average Annual Rate
$100,000 Dwelling $920
$200,000 Dwelling $1,474
$250,000 Dwelling $1,890
$400,000 Dwelling $2,817

 

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 a look at the 70809 ZIP code. In the 70809 area, homeowners coverage usually costs just $1,908 per year, which is a 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 HOME INSURANCE AREAS IN BATON ROUGE
ZIP Code Average 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 HOME INSURANCE AREAS IN BATON ROUGE
ZIP Code Average Annual Home Insurance Rate
70817 $2,096
70813 $2,015
70812 $2,010

 

Baton Rouge homeowners insurance deductibles

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.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN BATON ROUGE
Deductible Level Average Annual Homeowners Insurance Rate
$500 $2,028
$1,000 $1,890
$1,500 $1,844
$2,000 $1,741
$5,000 $1,581

 

Home and auto insurance bundling in Baton Rouge

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

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.