Finding Affordable Centerton 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.
Centerton Home Insurance Coverage: The Basics
You’ve invested in your house; now it’s time to protect it while you make it your home. Most standard policies will provide coverage for the structure of your home, any additional structures on the property, such as a shed or detached garage, and your personal belongings (with varying limits). Coverage will also include financial protection from legal action and medical care in the instance that someone is harmed on your property.
How Much is Home Insurance in Centerton, Arkansas?
Centerton home insurance costs an average of $1,138 per year among TGS Insurance customers. This average is based on policies with an average home value of $197,986 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 Centerton 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 Centerton, carrying $150,000 in dwelling coverage would result in a premium of around $1,099 per year, whereas having dwelling coverage worth closer to $350,000 would cost around $1,292 per year.
Home Value Average Annual Premium (incl. Wind Coverage)
$100,000-$200,000 $1,099
$200,000-$300,000 $1,172
$300,000-$400,000 $1,292
$400,000-$500,000 $1,512
How Does Home Age Impact Home Insurance Rates in Centerton, 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 Centerton for homes that are 15+ years old are, on average, 14% higher than homes that were built within the past 15 years.
Home Age Average Annual Premium (incl. Wind Coverage)
0-15 Years $1,081
15+ Years $1,230
Keep in mind that age is not the only factor influencing your premium! Other factors insurers often consider include:
- Location
- Replacement cost
- Credit history
- Claims history
- Marital Status
- Breeds of pets
- Attractive nuisances (swimming pools, trampolines, swing sets, etc.)
- And more!
Centerton 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 Centerton, Arkansas, are Encompass and State Auto. Home insurance quotes from TGS Insurance for Encompass average $1,231 annually. Home insurance quotes for State Auto run a little bit higher, averaging $1,240 per year.
Zip Codes in Centerton TGS Insurance Covers
- 72719
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