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Home Insurance in Baton Rouge, Louisiana: A Complete Overview

Baton Rouge, the capital of Louisiana, offers a mix of urban and suburban living. While it experiences fewer hurricanes than New Orleans, Baton Rouge homeowners still face risks from severe storms and flooding, impacting their home insurance rates.

National vs. Baton Rouge Home Insurance Costs

The national average cost for home insurance is $1,400 per year, while Baton Rouge homeowners pay an average of $2,200 per year. Although lower than New Orleans, the cost is still above the national average due to weather-related risks.

Local Factors Impacting Insurance Costs


Home Insurance Rates by Home Age in Baton Rouge

The age of your home can affect your insurance premiums. Here’s how home age impacts home insurance rates in Baton Rouge:

Home AgeAverage Annual Premium
0-10 years$2,100
10-20 years$2,150
20-30 years$2,200
30+ years$2,300

Impact of Home Age on Insurance Rates


Home Insurance Rates by Credit Tier in Baton Rouge

Credit scores also affect home insurance costs in Baton Rouge. Here’s a look at how premiums change by credit tier:


Cheapest Home Insurance Providers in Baton Rouge

Here’s a list of the most affordable home insurance providers in Baton Rouge and their average premiums:

  1. State Farm: $2,150/year
  2. Allstate: $2,180/year
  3. Liberty Mutual: $2,200/year
  4. Progressive: $2,230/year
  5. Farmers: $2,100/year

Home Insurance Rates by Deductible in Baton Rouge

Your deductible choice will impact your premium. Here’s how home insurance premiums in Baton Rouge vary by deductible:


Types of Homeowners Insurance in Baton Rouge

Baton Rouge homeowners have access to a range of homeowners insurance policies:


Additional Coverage Options in Baton Rouge


Frequently Asked Questions (FAQ) for Baton Rouge Homeowners

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