How Can I Make My Baton Rouge, LA Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Baton Rouge, LA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.

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Estimate Appropriate Baton Rouge, LA Home Insurance Coverage Levels | Back to Top

Baton Rouge, LA - Neighbourhoods, Census Blocks & Streets 3 Bedroom 2 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
E Lakeshore Dr, Rivermeadow Dr, Cabot Ave, Hyacinth Ave, Janice St, N Hill Dr, W Muriel Dr, Salem Dr, Wentworth Ct, Stilt St $149,000 $130,000 $125,000-$150,000 $81,000 $70,000 $75,000-$100,000
el Cajon Dr, Burton Ave, Dorchester Dr, Westminster Dr, N Eugene St, Southwest Dr, Regatta Dr, Woodcrest Dr, N Bourgeois Dr, Spencer Ct $162,500 $140,000 $125,000-$150,000 $93,000 $80,000 $75,000-$100,000
Rue de Belle Amie, Shelby Dr, Floyd Dr, Mesa Verde Ave, Crest Ct, Percy Ave, Rawlins St, Yale Ave, Stephanie Ave, Cornell Ave $249,500 $210,000 $250,000-$300,000 $166,500 $130,000 $175,000-$200,000
E Washington St, Southpark Dr, E Washington St, Beckenham Dr, Hatcher Ave, Kirkley Pl E, Renoir Ave, Karen Dr, Lockwood Ave, N Acadian Thruway E $130,000 $110,000 $100,000-$125,000 $154,500 $140,000 $150,000-$175,000
Castlebury Dr, Arbor Vitae Dr, Aberdeen Ave, Clairewood Ct, Parkforest Dr, W Harding St, Hundred Oaks Ave, Sherwood Meadow Dr, W Cyrus Ave, Pliny St $195,000 $180,000 $200,000-$250,000 $109,500 $100,000 $100,000-$125,000
Parkmount Blvd, Frisco St, Fairgreen Ave, Cottage Dr, Woodlawn Park Ct, Polytech Dr, Sarasota Dr, Fountain View Dr, Lake Larouge Dr, W Pomona Dr $230,000 $190,000 $250,000-$300,000 $164,500 $150,000 $150,000-$175,000
Pinehaven Dr, E Harts Mill Ln, Joseph St, Jewel Dr, Foxlane Dr, Kirkley Pl W, Commerce Ave, Conway Dr, N Ardenwood Dr, Rickover St $210,500 $190,000 $200,000-$250,000 $108,500 $100,000 $75,000-$100,000
Wheeler Bend Ave, Mengel Rd, N 31st St, Chevelle Dr, Devall Ln, Crown Ave, Tamarix St, Gov Pleasant Dr, Cardinal St, S 21st St $79,500 $70,000 $75,000-$100,000 $99,500 $90,000 $75,000-$100,000
Darryl Dr, W Woodgate Ct, Stanicola St, N Pamela Dr, E Mohawk Ave, Ocala Ave, Cedar Way, State Rte 3245, Wesson St, Kenny Cir $115,000 $100,000 $75,000-$100,000 $151,000 $120,000 $125,000-$150,000
Bancroft Way, N Harrels Ferry Rd, Tom Dr, Rustwood Rd, Dawson Dr, Beverly Dr, Iris St, Glen View Ave, Loyola Dr, Twin Cedars St $200,500 $190,000 $200,000-$250,000 $205,500 $170,000 $175,000-$200,000

Bundle your Baton Rouge, LA Auto & Home Insurance from the Same Company | Back to Top

Baton Rouge, LA Car Insurance Baton Rouge, LA Home Insurance
Details Toyota, Sequoia Platinum 2 Beds, 1 Baths, 1070 Square Feet worth $81500
Insurance Rates Individually $1,445.62 $5760
Savings from buying both from the same company $2,449.91

Choose your Baton Rouge, LA Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $7,088
Hail Damage $5,157
Wind Damage $10,216
Expensive Claims
Fire $35,690
Accidental Discharge/Leakage $8,539
Optional Coverage Losses $7,826

Identify Top Home Insurance Agents near Baton Rouge, LA | Back to Top

Home Insurance Company Baton Rouge, LA Homeowners Insurance Agency Baton Rouge, LA Address Popularity Score Distance from Baton Rouge (miles)
Allstate Mike Stewart 6004 Perkins Rd Ste B1, Baton Rouge, LA, 70808
2.8
Allstate Karen Guffey 257 Lee Dr Ste Q, Baton Rouge, LA, 70808
4.1
Liberty Mutual Independent Insurance Network Of Louisiana 4606 Bluebonnet Blvd, Baton Rouge, LA, 70809
3.9
Travelers Guffey Insurance Agency Inc 11747 Wentling Ave, Baton Rouge, LA, 70816
5.5
Allstate Integrity Insurance 20185 Iowa St, Livingston, LA, 70754
22.7
Liberty Mutual Independent Hailey Insurance Services 10754 Mead Rd, Baton Rouge, LA, 70816
4.1
Travelers Mcinnis Insurance Services Inc 7814 Office Park Blvd, Baton Rouge, LA, 70809
2.4
Allstate Warren Gray 6651 Sullivan Rd, Greenwell Springs, LA, 70739
7.3
State Farm Michael Loolara 8755 Sullivan Rd Ste C Bldg 3, Baton Rouge, LA, 70818-6031
7.9
State Farm Janelle Tessier 11930 Perkins Road, Baton Rouge, LA, 70810-1830
5.9

Compare Rates for Baton Rouge, LA Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Louisiana $137,700 $620 $430 $890 $460
East Baton Rouge Parish, LA $164,600 $970 $680 $1,400 $720
Baton Rouge, LA $153,400 $750 $530 $1,080 $550
Shenandoah, LA $235,300 $990 $690 $1,430 $740
Baker, LA $124,000 $580 $410 $840 $430
Plaquemine, LA $91,000 $440 $310 $630 $320
Erwinville, LA $83,600 $400 $280 $580 $300
Grosse Tete, LA $80,500 $410 $290 $590 $300
Slaughter, LA $121,100 $690 $480 $990 $510
Welcome, LA $67,400 $380 $270 $550 $280
Killian, LA $157,900 $820 $570 $1,180 $610
Reserve, LA $113,600 $470 $330 $680 $350
Centreville, MS $64,500 $280 $190 $390 $200

Research Home Insurance Companies Reviews in Baton Rouge, LA Before Buying | Back to Top

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AAA Home Insurance Reviews

Date: December 29, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I have not had to interact with customer service often; however, they are very proactive. They stay in communication with both my agent and me. They send clear information via mail. I have had no problems contacting them and neither has my insurance agent.

Date: November 17, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Although I have only had to chat with them through my broker, I wanted to change my payment date and they would not allow me to. Also, they increased their rates this year by almost $200.00 per year which I feel is high for the size of my home. However, compared to other home insurance quotes, this is still the least expensive in my area.

Date: September 15, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
It covers any damage up to $50,000 of our personal expenses. Our insurance is also bundled with our auto insurance so it covers any personal items that may be stolen if our car was broken in to.


Date: September 13, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
We have only had to really call customer service one time. We had some pretty heavy rainfall in a short amount of time and our basement flooded. I was very pleased with the CS line, They were friendly, quick, and attentive to us.

Date: September 11, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
When we bought our house, we had thought that we would insure with our at the time car insurance company. We received a quote and thought that was a normal cost for the house, as we have a pool. When we went to the mortgage broker the secretary said she thought that quote was too high, so she sent us to AAA. Sure enough, Pam was able to come in nearly $800.00 cheaper.

Date: August 08, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
The communication side is very easy. I am more prone to email rather than phone conversations and our agent adapts to that.

Date: August 08, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
I love the ease of use with their online site. We are able to find the information that we need with ease.

Date: August 05, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
I am completely satisfied with our agent. He made the on boarding process incredibly smooth. He is very reachable and always is able to assist quickly.

Date: July 28, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
It is very affordable. It is by far the cheapest that we found compared to the other insurance providers in our area.

Date: July 27, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
We are very happy with our current insurer. What I can recall that is covered, is the dwelling, other structures, loss of use, medical payments, and act of god.


Date: November 18, 2017    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
I do not have the need to use the website very often. Although it is very useful when I look to book travel. They have many companies that they partner with that has saved my wife and I a lot of money.

Date: November 18, 2017    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
We've only had to really contact them one time. I feel as though I do not have enough of a knowledge base to appropriately answer this question; sorry!

Farmer's Insurance Home Insurance Reviews

Date: September 23, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
I have not needed to utilize their customer service people as their website takes care of everything I need and I have not had any problems or need to call in and talk to anyone.

Date: September 17, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Website/App
The website is very easy to manage around. You can easily get to your account and view payments and coverage as well as change coverages if wanted. You can change from monthly payments to annual or semi-annual.

Date: August 31, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Premium
I have shopped several insurance companies for my home insurance and found that Farmers has the best premium and coverage with a lower deductible and monthly payment options.

Date: August 17, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Communication
I have not needed to utilize their interaction/communication as their website takes care of every question or need that I have had I need and I have not had any problems or need to call in and talk to anyone.

Date: August 15, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
most everything is covered including, structure, adjacent structures, accidents, medical, loss of use, hotel, fire, flood, natural disasters and some maintenance occurences


Progressive Home Insurance Reviews

Date: September 20, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
at some points, it just seems too good to be true but I just pray and hope for the best always

Date: September 03, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
this insurance is the best it covers almost full cost so I don't even have to worry about natural disasters


Date: August 07, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Customer Service
there is not really complaints. I just wish they were available more hours I guess

Date: July 29, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
I'm not really sure I haven't looked into other insurance companies because I just love this one so much and a lot of my friends and family have it

Travelers Home Insurance Reviews

Date: August 27, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
They were slow to get back to you but very thorough. You have your own representative so you speak to the same person each time.

Date: August 27, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
It is fast and efficient. It is user-friendly and easy to navigate. It is convenient to be able to access my account through an app on my phone.

Date: August 26, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Communication
I am able to contact one person and I am able to reach them through email. Most places do not have an appointed rep and you get stuck on hold because the only way to reach them is through the phone.

Date: August 14, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
I shopped around for insurance with a lot of different companies and travelers was the cheapest and offered the most coverage.

Allstate Home Insurance Reviews

Date: August 14, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I rent our single family home. I often think about call Allstate, who we have car insurance through, to add renters insurance but I just haven't done it yet.

Date: February 08, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
they offer much more coverage with a waived deductible when i choose a preferred provider to fix any damages.my policy limits are 5 times that of the competitor for half the price.


GEICO Home Insurance Reviews

Date: July 26, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
my premium and deductive of my policy compared to the other home insurance policies for the same coverage would rate about a 4.

Date: December 02, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I found that my premium and deductible were much lower with Geico. After I joined the Army, I contacted USAA to do my insurance coverage through them, and they were not able to meet or beat the price that I had with Geico

Foremost Insurance Home Insurance Reviews

Date: November 08, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Policy Offerings
They cover our home at cost value since it is a mobile home and also the surrounding buildings on our property.


State Farm Home Insurance Reviews

Date: April 02, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
The policy offered by statefarm is comparable to other companies. They cover the normal loss to rebuild cost. There are a lot of details.


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