Home insurance in Baton Rouge
Protect your home with top-rated coverage that could save you money.
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Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
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Tell us about your home.
Answer a few basic questions, and we’ll generate your home insurance quote in minutes.
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Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
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Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does homeowners insurance cover in Baton Rouge?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in Baton Rouge
The average cost of home insurance has increased to more than $6,900 per year in Louisiana, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
New home buyer - if you’re purchasing a home for the first time.
IBSH designation - for fortifying your home against disasters.
Claims-free - for keeping your home safe over the years.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
We've got Louisiana covered
We help Louisianans find coverage across the entire Pelican State, including in these cities:
- Bossier City
- Bossier City
- Kenner
- Lafayette
- Lake Charles
- Metairie
- Monroe
- New Orleans
- Shreveport
Common questions about Baton Rouge home insurance
What’s the average cost of home insurance in Baton Rouge?
The average cost of a standard home insurance policy in Louisiana is $6,939 according to the latest data available from the Consumer Federation of America, and Baton Rouge residents will likely see rates close to the state’s average. How much you pay for coverage will depend on several factors, including your home, claims history, and any locationally specific risks.
What factors affect home insurance premiums in Baton Rouge?
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Roof age and condition
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Hardening features, such as wind-resistent roofs
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Fire response times and fire hydrant access
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Claims history and crime rate
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Windstorm exposure during hurricane season
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Policyholder’s credit-based insurance score
How much home insurance do I need in Baton Rouge?
Your exact home insurance needs will depend on a range of factors, including your property, it’s location, and your risk tolerance. However, here are few tips to keep in mind:
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Dwelling coverage limit should equal to 100% of your home’s replacement cost value based on local labor and material costs.
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Other structures coverage is usually set to 10% of your dwelling coverage, but you may need more based on the value of other structures on your property, such as detached garages and sheds.
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Personal property coverage should be based on the combined value of your insurable belongings. This part of your coverage is commonly set to at least 50% of your dwelling coverage.
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Personal liability coverage limits should be high enough to cover your assets if you're ever sued after a covered incident, such as if you’re at fault for injuries a guest sustains on your property.
Consider any policy add-ons, such as water backup coverage or flood insurance, that can help further protect your property based on associated risks.
What does home insurance not cover in Baton Rouge?
A standard homeowners insurance policy typically does not include coverage for the following:
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Flooding, including that from storms or overflowing bodies of water
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Maintenance or gradual damage
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Earth movement (unless endorsed)
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Sewer or drain backup
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Infestation-related issues
What additional coverages should Baton Rouge homeowners consider?
Given Baton Rouge’s hurricane season exposure and river proximity, consider:
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Flood insurance
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Water backup coverage
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Windstorm and hail endorsement
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Ordinance or law coverage
Is home insurance required in Baton Rouge?
Home insurance isn’t legally required in Baton Rouge or any other part of Louisiana. However, if you finance your home, your lender will likely require you to carry home insurance until you pay off your mortgage. Depending on where your property is located, you may also be required to carry flood insurance.
Even if you don’t need home insurance, you may want to consider maintaining a policy. If your home is destroyed by a covered peril, such as a fire or storm, a home insurance policy can help you cover the cost of rebuilding. Without one, you’d likely need to cover that cost on your own.
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