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Getting a Fayetteville 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 Fayetteville 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 Does Fayetteville Home Insurance Cost?

 

The average homeowners insurance policy in Fayetteville costs an average of $1,401 per year among TGS Insurance customers. This average is based on policies with an average home value of $226,898 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!

 

Comparing Average Home Insurance Premiums in Fayetteville 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 Fayetteville, carrying $150,000 in dwelling coverage would result in a premium of around $1,198 per year, whereas having dwelling coverage worth closer to $350,000 would cost around $1,753 per year.

 

Home ValueAverage Annual Premium (incl. Wind Coverage)
$100,000-$200,000$1,198
$200,000-$300,000$1,483
$300,000-$400,000$1,753
$400,000-$500,000$1,901

 

How the Size of Your Fayetteville 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 Fayetteville for homes that 2,000+ square feet are, on average, 31% higher than homes that are less than 2,000 square feet in size.

 

Home Size in Square FeetAverage Annual Premium (incl. Wind Coverage)
0-2,000 sq ft$1,204
2,000+ sq ft$1,584

 

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! 

 

Fayetteville 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 Fayetteville, Arkansas, are Encompass and State Auto. Home insurance quotes from TGS Insurance for Encompass average $1,430 annually. Home insurance quotes for State Auto run a little bit higher, averaging $1,715 per year.

 

Zip Codes in Fayetteville We Insure

 

  • 72701
  • 72703
  • 72704

 

Don’t see your zip code? Not a problem! We’re able to help homeowners throughout Arkansas find the best home coverage for their needs. Get started with a free instant quote by providing your address above. 

TGS Insurance is Fayetteville's Premier Home Insurance Provider

Fayetteville neighborhood

Home to the Razorbacks of the University of Arkansas, Fayetteville, Arkansas, is located in Washington County in the north-western region of the state. Whether you are looking to grab food at some local favorites, catch a broadway show, learn about the city at a museum or take in some rays outdoors, Fayetteville has something for everyone.

Fayetteville neighborhood

TGS Insurance Agency has provided our neighbors in Fayetteville with complete home insurance coverage since 2017. Our team is dedicated to working with each homeowner to find the right policy for their individual needs at the best price available by leveraging our partnerships with 35+ carriers.

Key Home Statistics in Fayetteville

93,949

Total Population in Fayetteville, AR

$279,252

Average Home Value in Fayetteville, AR

$43,690

Median Household Income in Fayetteville, AR

27

Median Age in Fayetteville, AR

Major Neighborhoods in Fayetteville, AR

Image of Sloanbrooke Neighborhood

Sloanbrooke

Located in West Fayetteville, Sloanville is a peaceful master-planned community of 500+ homes and a 17-acre park with several biking and hiking trails.

Image of Savanna Estates Neighborhood

Savanna Estates

Savanna Estates is located in Eastern Fayetteville and consists of homes built from 1993 to 2013 that range in size from 2,600 square feet to 13,000 square feet.

Image of Brookhaven Neighborhood

Brookhaven

The charming Brookhaven subdivision in central Fayetteville consists of 58 lots ranging from 2,000 square feet to 4,600 square feet. Construction on homes in the subdivision began in 1996.

Image of Belclaire Neighborhood

Belclaire

The desirable Belclaire subdivision in western Fayetteville consists of 100 sizeable lots with homes ranging from 2,000 square feet to 3,300 square feet. Construction on homes in the subdivision began in 2011.

Image of Rupple Row Neighborhood

Rupple Row

The popular Rupple Row subdivision in western Fayetteville consists of 263 sizeable lots. Construction began in 2006 but new homes are still available to build out. Homes range from 1,600 square feet to 2,100 square feet.

Image of Oakbrooke Neighborhood

Oakbrooke

The desirable Oakbrooke subdivision on the west side of Fayetteville consists of 122 lots and boasts custom home plans ranging from 1,300 square feet to 3,200 square feet.

Local Home Resources in Fayetteville, AR

Fire Departments
Fayetteville Fire Dept303 W Center St
Fayetteville, AR 72701
(479) 442-6131
Watts Fire Safety Equipment CO Inc927 N College Ave
Fayetteville, AR 72701
(479) 442-5525
Wedington Fire Department13496 W Highway 16
Fayetteville, AR 72704
(479) 443-7802
Wheeler Fire Dept6946 W Wheeler Rd
Fayetteville, AR 72704
(479) 443-7274
Whitehouse Rural Fire Dept14651 S Whitehouse Rd
Fayetteville, AR 72701
(479) 643-2111
Police Departments
Fayetteville Police Department100 W Rock St
Fayetteville, AR 72704
4795873555
FAYETTEVILLE POLICE DEPT100 W ROCK ST
FAYETTEVILLE, AR 72704
4795873555
Fayetteville Police Dept100 W Rock St # A
Fayetteville, AR 72701
4795873555
University Police155 S Razorback Rd
Fayetteville, AR 72701
4795752222
Washington County Sheriff1155 W Clydesdale Dr
Fayetteville, AR 72701
4794445700