Home Insurance in Baton Rouge

Get peace of mind when you purchase the right home insurance in Baton Rouge, Louisiana, for your most important investment, your home.
Compare, shop and customize quotes from top-rated insurance carriers.

Get Comprehensive Home Insurance in Baton Rouge

Baton Rouge, the "red stick" of the south, is the capital city of Louisiana. With cultural influences that include French, Creole, Caribbean and Cajun, this city is characterized by charming southern hospitality and a rich history. This second most populous city in the state sits east of the Mississippi River and inland from the Gulf of Mexico.

How Living in Baton Rouge Impacts Your Property 

As of 2022, there are 221,453 people living in Baton Rouge. Half of the population resides in rented properties, and a little less than half of the people in Baton Rouge own their own homes. Common home styles for properties reflect the diverse cultural history of Baton Rouge with stucco siding, Spanish roof tiles, columns, wraparound front porches and more. The median property value in 2021 was $191,100.

Baton Rouge's location on the Gulf of Mexico gives it a warm, mild climate most of the year. Homeowners may experience severe, catastrophic weather events in this area, such as hurricanes, tornadoes, storms, floods and extreme heat. The city is also known for having a higher-than-average crime rate, with residents having a 1 in 23 chance of being a property crime victim. Although severe weather and property crime in the city make this area more expensive than other parts of Louisiana for home insurance, the VIU by HUB could help you find reasonable rates.

Making Home Insurance Fit Your Budget

You can expect to pay an average of $2,445 per year for your home insurance in Baton Rouge. Compared to the national average, this is more expensive than in other parts of the country. The aftermath of recent hurricanes in Louisiana has led to an increase in home insurance premiums throughout the state.

To get a more competitive rate, you need to shop around and use tools from VIU by HUB to see what your options are for good coverage. Your credit score, your home's value, its location related to a flood zone and your neighborhood's crime rate can also have an impact on the price you pay. Downtown Baton Rouge has higher instances of vandalism and crime and can mandate pricier rates.

Property Coverage for Baton Rouge Residents

When you search for home insurance quotes for your Baton Rouge home, you need to understand the different components of your policy. You can customize the level of coverage you need for your home to give yourself and your financial health more protection. Here are some elements of a home insurance policy in Baton Rouge:

  • Dwelling and Personal Property - Most home insurance policies include coverage for your dwelling and personal items inside. The costs to replace or repair your home and items may be covered in case of theft, fire, weather damage or other events.
  • Liability - Liability is another common part of home insurance. If another person gets hurt on your property, this coverage kicks in, helping pay medical and legal fees.
  • Extras - It's also important to consider add-ons to your home policy. Floods are a risk in Baton Rouge, so flood insurance may be beneficial. Other add-ons could be sewer backup, foundation damage or extended reconstruction.

Learn More About How To Get the Home Insurance You Need

Home insurance in Baton Rouge can give you the peace of mind you need for your household. VIU by HUB provides comparison shopping tools and information to help you purchase the right type of coverage.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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