Finding Affordable Cabot Home Insurance Is Easier Than You Think.
Looking for home insurance can be tedious, boring, overwhelming… you name it, we’ve heard it. And we agree! That’s why TGS Insurance Agency is dedicated to doing the heavy lifting for you, starting with instantly comparing quotes from 35+ A-rated (or better) carriers to find you the best possible price in your area, without having to compromise on coverage. We can provide you with your initial quote within 15 seconds with just your address. From there, if you would like to customize your policy, any of our dedicated independent agents are ready to work for you to create a policy that covers everything you need.
We shop. You Save. Yes, it really is that easy.
Cabot 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 Cabot, Arkansas?
The average cost of homeowners insurance in Cabot is $1,450 among TGS Insurance Agency customers. This average includes windstorm and hail coverage and is based on policies with an average home value of $201,038. Every policy is unique based on the characteristics of the home and coverage needs so rates will vary from home to home and even carrier to carrier. By comparison shopping policies, we are able to find the right policy at the best price without compromising on coverage. On average, we’ve been able to save our customers more than $800/year when they switch to TGS Insurance. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!
Comparing Average Home Insurance Premiums in Cabot 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 Cabot, carrying $150,000 in dwelling coverage would result in a premium of around $1,327 per year, whereas having dwelling coverage worth closer to $350,000 would cost around $1,853 per year.
Home Value Average Annual Premium (incl. Wind Coverage)
$100,000-$200,000 $1,327
$200,000-$300,000 $1,577
$300,000-$400,000 $1,853
$400,000-$500,000 $2,038
How the Size of Your Cabot Home Impacts Your Homeowners Insurance Rates
Many factors impact your home insurance premium, and one of those factors is the square footage of your home. As the footprint of your home increases, the cost of replacing it should it need to be rebuilt due to covered perils increases. For this reason, insurers view bigger 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 Cabot for homes that 2,000+ square feet are, on average, 22% higher than homes that are less than 2,000 square feet in size.
Home Size in Square Feet Average Annual Premium (incl. Wind Coverage)
0-2,000 sq ft $1,338
2,000+ sq ft $1,628
Keep in mind that size is not the only factor influencing your premium! Other factors insurers often consider include:
- Location
- Age
- Roof condition and age
- Credit history
- Claims history
- Marital Status
- Breeds of pets
- Attractive nuisances (swimming pools, trampolines, swing sets, etc.)
- And more!
Cabot 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 Cabot, Arkansas, are Encompass and State Auto. Home insurance quotes from TGS Insurance for Encompass average $1,467 annually. Home insurance quotes for State Auto run a little bit higher, averaging $1,705 per year.
Cabot Zip Codes We Insure
- 72023
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.
