Getting an Arkadelphia Home Insurance Quote Has Never Been Easier!
Gone are the days of filling out endless questionnaires about your home or talking on the phone with an insurance agent for over 15 minutes, only to wait days to get an insurance quote. At TGS Insurance, we’ve flipped the industry norm upside down to provide customers with a real, accurate home insurance quote in 15 seconds or less, using just your address! That policy is shopped through our bank of 35+ A-rated (or better) carriers, so you can rest-assure it’s the best policy the market has to offer! We even handle everything from policy inception to payment and anything else in between for the easiest shopping experience ever.
You’re one click away from never having to worry about insurance again!
What Does Arkadelphia 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 Does Arkadelphia Homeowners Insurance Cost?
The average TGS Insurance home insurance policy for Arkadelphia is $1,670 per year. This average is based on policies with an average home value of $220,001 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 adaptable 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 Arkadelphia By Dwelling Coverage Levels
Home insurance carriers consider several different factors when calculating your home insurance premium. One of the biggest components is how much dwelling coverage you need. Dwelling coverage refers to the amount it would cost to completely rebuild your home from the ground up to its current value. Unfortunately, some homeowners don’t carry enough dwelling coverage. If a disaster were to strike, you wouldn’t have enough financial assistance to help rebuild your home and would be left with the remaining balance. In Arkadelphia, homeowners wanting $100,000-$200,000 in coverage should expect to pay about $1,399 per year for homeowners insurance. For $300,000-$400,000 in dwelling coverage, homeowners would see an average of $2,141 in Arkadelphia, Arkansas. The more dwelling coverage, the higher the home insurance premium.
Home Value Average Annual Premium (incl. Wind Coverage)
Arkadelphia 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 Arkadelphia for homes that are 15+ old are on average 22% higher than homes that were built within the past 15 years.
Home Age Average Annual Premium (incl. Wind Coverage)
0-15 Years $1,423
15+ Years $1,740
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
- Marital status
- Replacement cost
- And much more!
Cheapest Homeowners Insurance Companies in Arkadelphia
Shopping for home insurance is no easy feat. Insurance carriers set their rates, so the same coverage will sometimes vary in price across multiple carriers. How do you know you’re getting the best deal? By comparison shopping your policy, you can see what the market has to offer and select the policy that works best for your coverage needs and budget. Two of our most popular insurance providers in Arkadelphia, Arkansas, are Encompass and State Auto. Home insurance quotes from TGS Insurance for Encompass average $1,746 annually. State Auto’s home insurance quotes run a little bit higher, averaging $1,848 per year.
Arkadelphia Zip Codes We Insure
Don’t see your zip code? It’s okay! We’re ready to help homeowners throughout Arkansas save money on their home insurance. See how much you could be saving by providing your address above for a free home insurance instant quote.