Getting a Beebe Home Insurance Quote is as Easy as 1-2-3!
Getting Beebe’s best homeowner’s insurance rates is straightforward when using TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote.
- Enter your address
- View your quote
- Customize your coverage with the guidance of one of our talented independent agents
What Does Beebe 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.
If you have items that aren’t adequately covered by your main home policy, you can purchase additional policies. Valuable art collections, expensive jewelry, antiques, and other rare items would qualify.
How Much is Home Insurance in Beebe, Arkansas?
Beebe home insurance costs an average of $1,458 per year among TGS Insurance customers. This average is based on policies with an average home value of $198,932 and includes windstorm and hail coverage with a 2% deductible. Home insurance premiums will vary home to home depending on several factors. Our proprietary tool shops your policy in seconds to find you the best rates with just your address. Our independent agents will work with you to further customize your quote to ensure you have the right amount of coverage for your needs at the best rate on the market!
Average Home Insurance Quotes in Beebe By Dwelling Coverage Levels
Home insurance carriers consider several different factors when calculating your home insurance premium. One of the most significant facets 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. This means that 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 Beebe, homeowners needing $100,000-$200,000 in coverage should expect to pay about $1,319 per year for homeowners insurance. For $300,000-$400,000 in dwelling coverage, homeowners would see an average of $1,881 in Beebe, Arkansas. The more dwelling coverage, the higher the home insurance premium.
Home Value Average Annual Premium (incl. Wind Coverage)
$100,000-$200,000 $1,319
$200,000-$300,000 $1,603
$300,000-$400,000 $1,881
$400,000-$500,000 $2,118
Beebe 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 Beebe for homes that are 15+ old are on average 19% higher than homes that were built within the past 15 years.
Home Age Average Annual Premium (incl. Wind Coverage)
0-15 Years $1,281
15+ Years $1,526
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
- Distance to the nearest fire station
- Distance to the nearest large body of water or coastline
- Marital status
- Size
- Replacement cost
- And much more!
Beebe 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 Beebe, Arkansas, are Encompass and State Auto. Home insurance quotes from TGS Insurance for Encompass average $1,451 annually. State Auto’s home insurance quotes run slightly higher, averaging $1,837 per year.
Zip Codes in Beebe TGS Insurance Covers
- 72012
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