Average homeowners insurance cost in Baton Rouge, LA

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Our data shows that the average cost of homeowners insurance in Baton Rouge is $3,673 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $1,169 more than the national average of $2,504 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Baton Rouge depend on several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Baton Rouge, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Baton Rouge.

Key Takeaways

The cost of your homeowners insurance policy in Baton Rouge can vary based on factors such as your location, the value of your home, and the coverage options you select.
Progressive is the cheapest homeowners insurance company in Baton Rouge with an average annual premium of $1,453 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $957 more annually for home insurance.

Average homeowners insurance cost per month

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Baton Rouge pay an average of $306 per month. It’s $8 more than the state average of $298 and $97 more than the national average for home insurance across the nation.

Average homeowners insurance cost for a $200,000 house

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $2,716 per year in Baton Rouge. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house

Homeowners in Baton Rouge typically pay an average of $3,673 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $957 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Baton Rouge by company

Among the carriers we analyzed, Progressive is the most affordable homeowners insurance company in Baton Rouge, offering an average annual rate of $1,453 , while Allstate ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Baton Rouge and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Baton Rouge and what you can expect to pay with each one on average.

Home Insurance Company	Annual rate
Progressive	$1,453
Allstate	$3,461
State Farm	$4,626
Farmers	$5,299
LA Farm bureau	$6,375
USAA*	$2,555

*USAA is only available to military community members and their families.

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

Natural disasters in Louisiana that can impact your home insurance

Living in Louisiana comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

Louisiana is commonly affected by Riverine flooding.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance pays for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Make sure your coverage is disaster-ready

The best time to review your homeowners insurance is before a storm hits. If you’ve made upgrades to your home or live in a disaster-prone area, you may need more coverage than you think. A quick policy check now can prevent big financial losses later.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Baton Rouge for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.