Getting a Bentonville 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 Does Homeowners Insurance in Bentonville cover?
The majority of home insurance policies include some level of the following types of coverages.
Coverage A covers damages to your home
Coverage B covers damages to additional structures on your property such as detached garages, sheds, or fences
Coverage C covers damage to personal property such as furniture, electronics, and clothes
Coverage D covers additional living expenses if your home becomes uninhabitable due to a covered loss
Coverage E covers personal liability including coverage for claims arising from accidents on your property
Coverage F covers medical expenses for injuries occurring on your property for those outside of your household
How Much Does Bentonville Home Insurance Cost?
The average homeowners insurance policy in Bentonville costs an average of $1,387 per year among TGS Insurance customers. This average is based on policies with an average home value of $248,630 and includes windstorm and hail coverage with a 2% deductible. Our agents know that every homeowner’s needs are different and that’s why we work with you to build the right coverage at the best price on the market. On average, we have been able to save our customers throughout Arkansas $870 a year when they switch to us. Seeing how much you could be saving is quick and free- enter your address above for your instant quote!
Average Home Insurance Quotes in Bentonville 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 Bentonville, 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 $1,621 in Bentonville, Arkansas.
Home Value Average Annual Premium (incl. Wind Coverage)
$100,000-$200,000 $1,207
$200,000-$300,000 $1,378
$300,000-$400,000 $1,621
$400,000-$500,000 $1,844
Bentonville 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 Bentonville for homes that are 15+ old are on average 34% higher than homes that were built within the past 15 years.
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
- Location
- Marital status
- Size
- Replacement cost
- And much more!
Bentonville 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 own rates, sometimes the same coverage will vary in price among carriers. Two of our most popular insurance providers in Bentonville, Arkansas, are Encompass and State Auto. Home insurance quotes from TGS Insurance for Encompass average $1,392 annually. Home insurance quotes for State Auto run a little bit higher, averaging $1,883 per year.
Zip Codes in Bentonville TGS Insurance Covers
- 72712
Don’t see your zip code? We’ve got you covered! Enter your address above for a free instant home insurance quote.
