Getting a Conway 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 Conway Home Insurance Cover?
A home insurance policy can, and should, be customized to fit your specific needs, but standard policies usually offer:
- Coverage for your home and additional structures on your property such as detached garages, sheds, and fences
- Coverage for your personal belongings such as clothes, furniture, and electronics
- Coverage for personal liability exposures that comes with being a homeowner such as a guest being hurt on your property
- Coverage for living expenses should your home become uninhabitable and you require temporary lodging while it is repaired or replaced
How Much is Home Insurance in Conway, Arkansas?
The average cost for home insurance in Conway is $1,338 among TGS Insurance Agency customers. This average is based on policies with an average home value of $208,931. 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 Conway By Dwelling Coverage Levels
One of the biggest mistakes a homeowner can make is not carrying enough dwelling coverage on their home insurance policy. Dwelling coverage refers to the amount it would cost to completely rebuild your home from the ground up to its current value. The dwelling coverage level you select is one of the biggest factors insurance carriers use when determining your home insurance premium. So for example, if you select $100,000-$200,000 in dwelling coverage, your home insurance policy in Conway, Arkansas will cost an average of $1,202. However, if you needed $300,000-$400,000 in dwelling coverage, your home insurance premium would then increase to an average of $1,695. The more dwelling coverage you want, the higher the home insurance premium.
|Home Value||Average Annual Premium (incl. Wind Coverage)|
The Age of Your Home and Homeowners Insurance in Conway, Arkansas
Homeowners in Conway looking for the most affordable home insurance rates may want to consider looking at newer homes. While older homes may have a certain charm that can be lost on new builds, they also tend to have more problems as elements such as piping or mechanical systems age; this means they are a more considerable risk to insure in the eyes of carriers. In fact, in Conway, the average home insurance quote for homes that were built more than 15 years ago is 20% more than a home built within the past 15 years. Over the last few years, we have seen homeowners with homes built in the past 15 years pay an average annual premium of $1,168 while those with homes older than 15 years see quotes closer to an average of $1,403 per year.
If you own an older home, there are several steps you can take to help reduce your premiums, such as:
- Bundle your home policy with another policy
- Choose a higher deductible
- Keep your home’s replacement cost estimate up to date
- Stay ahead of repairs and updates to your home by scheduling routine maintenance (and be sure to notify your agent of repairs or upgrades made!)
Conway Home Insurance Averages by Carrier
Homeowners in Conway all want the same thing- an excellent home insurance policy that doesn’t break the bank. Cost is one of the most influential things homeowners look at when purchasing insurance, next to the amount of coverage. This is why it’s imperative for homeowners to comparison shop their policy across multiple carriers! Insurance carriers all set their own rates, so your premium could vary across multiple carriers with the same coverage. Our two most affordable (and popular) insurance providers in Conway, Arkansas, are Encompass and State Auto. On average, TGS Insurance homeowners in Conway, Arkansas, pay $1,340 for Encompass annually and $1,722 for State Auto.
Zip Codes in Conway TGS Insurance Covers
Don’t see your zip code? We’ve got you covered! Enter your address above for a free instant home insurance quote.