Finding Affordable Bella Vista Home Insurance Made Simple
Shopping for home insurance can be an exhausting, dull, and downright stressful process. TGS Insurance Agency is here to change that. At TGS Insurance, we do all of the nitty-gritty work for you, so you don’t have to! Our agents will shop your home insurance policy across our bank of 35+ carriers to find you the best policy at the best price, so you never have to compromise on coverage to save money. How do you get started? Easy! All we need is your address, and you’ll get an accurate quote in 15 seconds or less. After that, our agents will further customize your policy so it’s tailored to your specific insurance needs. Shopping for home insurance has never been so simple!
We shop, you save, it’s really that easy.
Bella Vista Home Insurance Coverage: The Basics
Several standard forms of homeowners insurance offer various levels of protection from varying perils depending on the needs of the home and homeowner. The majority of these forms include coverage (at some level) for:
- Your home’s structure
- Additional structures on your property (detached garage, shed, fence, etc.)
- Your personal belongings
- Liability for injuries on your property
How Much is Home Insurance in Bella Vista, Arkansas?
The average cost for home insurance in Bella Vista is $1,286 among TGS Insurance Agency customers. This average is based on policies with an average home value of $185,808. 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!
Average Home Insurance Quotes in Bella Vista 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 Bella Vista, Arkansas, if you need $100,000-$200,000 in dwelling coverage, you’ll pay about an average of $1,207 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 $1,829 in Bella Vista, Arkansas.
Home Value Average Annual Premium (incl. Wind Coverage)
Bella Vista 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 Bella Vista for homes that are 15+ old are on average 10% higher than homes that were built within the past 15 years.
Home Age Average Annual Premium (incl. Wind Coverage)
0-15 Years $1,201
15+ Years $1,324
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!
Bella Vista Zip Codes We Insure
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.