Save On Home Insurance in Alma, AR | TGS Insurance Agency

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Alma, AR

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Getting an Alma Home Insurance Quote is as Easy as 1-2-3! 


Getting the best homeowner’s insurance in Alma is straightforward when using TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote. 


  1. Enter your address
  2. View your quote 
  3. Customize your coverage with the guidance of one of our expert independent agents


What Does Alma Home Insurance Cover?


A home insurance policy can, and should, be customized to fit your specific needs, but standard policies usually offer:

  • Coverage for your home and additional structures on your property such as detached garages, sheds, and fences
  • Coverage for your personal belongings such as clothes, furniture, and electronics
  • Coverage for personal liability exposures that comes with being a homeowner, such as a guest being hurt on your property
  • Coverage for living expenses should your home become uninhabitable and you require temporary lodging while it is repaired or replaced.


How Much is Home Insurance in Alma, Arkansas?


The average cost for home insurance in Alma is $1,388 among TGS Insurance Agency customers. This average is based on policies with an average home value of $198,334. While every policy is different and dependent on multiple factors, including your home’s value and coverages your choose, we have proudly been able to save our Arkansas customers an average of $870 per year on their home insurance premiums when they switch to us. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!


Comparing Average Home Insurance Premiums in Alma By Dwelling Coverage Levels


Dwelling coverage helps to rebuild or repair your home in the event of a covered loss. Your dwelling coverage limit must cover the cost to rebuild your home as it is today. Since dwelling coverage is such a significant component of your home insurance policy, your limit on the coverage affects your overall premium. In Alma, carrying $150,000 in dwelling coverage would result in a premium of around $1,223 per year, whereas having dwelling coverage worth closer to $350,000 would cost approximately $2,014 per year. 


Home ValueAverage Annual Premium (incl. Wind Coverage)


How the Size of Your Alma Home Impacts Your Homeowners Insurance Rates


Many factors impact your home insurance premium, and one of those factors is the square footage of your home. As the footprint of your home increases, the cost of replacing it should it need to be rebuilt due to covered perils increases. For this reason, insurers view bigger homes as a more significant risk and will often come with a higher home insurance premium to reflect that more substantial risk. Our data shows that home insurance quotes in Alma for homes that 2,000+ square feet are, on average, 37% higher than homes that are less than 2,000 square feet in size.


Home Size in Square FeetAverage Annual Premium (incl. Wind Coverage)
0-2,000 sq ft$1,231
2,000+ sq ft$1,694


Keep in mind that size is not the only factor influencing your premium! Other factors insurers often consider include:

  • Location
  • Age
  • Roof condition and age
  • Credit history
  • Claims history
  • Marital Status
  • Breeds of pets
  • Attractive nuisances (swimming pools, trampolines, swing sets, etc.)
  • And more! 


Most Affordable Home Insurance Companies in Alma

Homeowners look at various things when deciding what home insurance policy to buy, coverage and cost being the two most influential factors. It’s crucial for homeowners in Alma to comparison shop their policy across several different insurance carriers because the same coverage could vary in price. Our two most affordable (and popular) insurance providers in Alma, Arkansas, are State Auto and Encompass. On average, TGS Insurance homeowners in Alma, Arkansas, pay $1,448 annually for State Auto and $1,587 for Encompass. 


Alma Zip Codes We Insure


  • 72921


Zip code not listed? Don’t worry! We can help homeowners throughout Arkansas save money on their home insurance. Get started with a free instant quote by providing your address above.

TGS Insurance is Alma's Premier Home Insurance Provider

Alma neighborhood

Dubbed the "Spinach Capital of the World," Alma, Arkansas, once canned half the spinach supply for the entire United States. The city of Alma was incorporated in 1872 and is located in western Arkansas in Crawford County. With two major interstates running through the town, and a location just 15 miles from Fort Smith, residents can enjoy the relaxing lifestyle of a smaller city while still having the conveniences that come with a larger city nearby.

Alma neighborhood

TGS Insurance Agency has provided our neighbors in Alma with complete home insurance coverage since 2017. Our team is dedicated to working with each homeowner to find the right policy for their individual needs at the best price available by leveraging our partnerships with 35+ carriers.

Key Home Statistics in Alma


Total Population in Alma, AR


Average Home Value in Alma, AR


Median Household Income in Alma, AR


Median Age in Alma, AR

Local Home Resources in Alma, AR

Fire Departments
Roseville Fire Dept
Alma, AR
(479) 963-6800