Comparison Shop Home Insurance in Alexander from Multiple Carriers in Minutes!
Did you know less than 50% of homeowners comparison shop when their policy is up? That means more than half of homeowners are leaving potential savings on the table. It’s time to recoup the savings! At TGS Insurance, our team of agents will take away the hassle of comparing insurance providers by doing the hard work for you! As an independent insurance agency, we’re carrier-agnostic, which means we don’t work for one insurance provider; we work for you! When you input your address, we’ll shop our bank of 35+ top carriers to find you the best policy at an exceptional rate in just 15 seconds!
What Does Alexander Home Insurance Cover?
Buying a house is no small investment, and now is the time to protect it as you make it your home. Home insurance policies provide homeowners with coverage for your home’s structure, any additional structures on your property (sheds, garages, fences, etc.), and personal items (various policy limits will apply). Home insurance policies will also include personal financial protection against legal action and medical bills should someone have an accident while on your property.
How Much Does Alexander Homeowners Insurance Cost?
The average TGS Insurance home insurance policy for Alexander is $1,399 per year. This average is based on policies with an average home value of $198,813 and includes windstorm and hail coverage with a 2% deductible. Home insurance rates differ considerably due to several constituents, based on you, your home, and your location, among many other things. We offer flexible options to all of our clients so they can find the right policy without paying for too much or too little homeowners insurance coverage. Get started with a free instant home insurance quote by providing your address above.
Average Home Insurance Quotes in Alexander By Dwelling Coverage Levels
Dwelling coverage is an essential component of your homeowners insurance policy, and unfortunately, most homeowners aren’t carrying enough. Dwelling coverage refers to the amount it would cost to completely rebuild your home to its current value and is one of the considerations home insurance carriers use to calculate your yearly premium. In Alexander, Arkansas if you need $100,000-$200,000 in dwelling coverage, you’ll pay about an average of $1,265 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $300,000-$400,000 in dwelling coverage will pay an average of $1,775 in Alexander, Arkansas.
Home Value Average Annual Premium (incl. Wind Coverage)
$100,000-$200,000 $1,265
$200,000-$300,000 $1,554
$300,000-$400,000 $1,775
$400,000-$500,000 $2,108
Alexander Home Insurance Quotes and Your Home’s Age by the Numbers
Many factors go into calculating your home insurance premium, one of which is your home’s age. Typically, older homes are more expensive to insure because their construction and structural components tend to be more obsolete (Ex. using galvanized piping instead of PEX) and experienced years of general wear and tear. Both contribute to an older home being more susceptible to damage- therefore a higher risk to insure. Our data shows that homes in Alexander for homes that are 15+ old are on average 30% higher than homes that were built within the past 15 years.
Home Age Average Annual Premium (incl. Wind Coverage)
0-15 Years $1,258
15+ Years $1,636
Age is not the only influencing factor for your home insurance premium. Carriers look at a variety of other things, including:
- Attractive nuisances (Ex. pools, trampolines, playsets, etc.)
- Breeds of pets
- Claims history
- Credit history
- Crime rate
- Location
- Marital status
- Size
- Replacement cost
- And much more!
Alexander Home Insurance Rates by Insurer
Choosing your home insurance provider is about more than just price, but the cost is undoubtedly an essential factor. Because each carrier sets its rates, the same coverage will sometimes vary in price among carriers. Two of our most popular insurance providers in Alexander, Arkansas, are Encompass and State Auto. Home insurance quotes from TGS Insurance for Encompass average $1,412 annually. Home insurance quotes for State Auto run a little bit higher, averaging $1,706 per year.
Alexander Zip Codes We Insure
- 72002
Zip code not listed? Not a problem! We can find incredible rates for homeowners throughout Arkansas. Enter your address above for a free instant home insurance quote.
