Getting a Benton 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! What’s even better? 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 home insurance again!
Benton Home Insurance Coverage: The Basics
There are several standard forms of homeowners insurance that 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 Benton, Arkansas?
Benton home insurance costs an average of $1,445 per year among TGS Insurance customers. This average is based on policies with an average home value of $209,938 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!
Comparing Average Home Insurance Premiums in Benton 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 large component of your home insurance policy, your limit on the coverage affects your overall premium. In Benton, carrying $150,000 in dwelling coverage would result in a premium of around $1,315 per year, whereas having dwelling coverage worth closer to $350,000 would cost around $1,806 per year.
Home Value Average Annual Premium (incl. Wind Coverage)
How Does Home Age Impact Home Insurance Rates in Benton, Arkansas
Many factors impact your home insurance premium, and one of those factors is the age of your home. As your home ages, the need for improvements and repairs increases, increasing the likelihood of filing a claim. For this reason, insurers view older 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 Benton for homes that are 15+ years old are, on average, 17% higher than homes that were built within the past 15 years.
Home Age Average Annual Premium (incl. Wind Coverage)
0-15 Years $1,323
15+ Years $1,552
Keep in mind that age is not the only factor influencing your premium! Other factors insurers often consider include:
- Replacement cost
- Credit history
- Claims history
- Marital Status
- Breeds of pets
- Attractive nuisances (swimming pools, trampolines, swing sets, etc.)
- And more!
Cheapest Benton Home Insurance Carriers
When considering purchasing a home insurance policy, the price is more often than not the most influential factor. Carriers set their own rates, so your policy premium will vary across different providers even with the same coverage. Our two most affordable (and popular) insurance providers in Benton, Arkansas, are Encompass and State Auto. On average, TGS Insurance homeowners in Benton, Arkansas, pay $1,461 for Encompass annually and $1,739 for State Auto.
Benton Zip Codes We Insure
Zip code not listed? Not a problem! We are able to incredible rates for homeowners throughout Arkansas. Enter your address above for a free instant home insurance quote.