Save On Home Insurance in Fort Smith, AR | TGS Insurance Agency

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Homeowners Insurance  »  Arkansas  »  

Fort Smith

Finding Affordable Fort Smith 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.


What Does Fort Smith 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 Fort Smith Homeowners Insurance Cost?


The average TGS Insurance home insurance policy for Fort Smith is $1,499 per year. This average is based on policies with an average home value of $220,712 and includes windstorm and hail coverage with a 2% deductible. Home insurance rates differ considerably due to several constituents, based on you, your home, and your location, among many other things. We offer flexible options to all of our clients so they can find the right policy without paying for too much or too little homeowners insurance coverage. Get started with a free instant home insurance quote by providing your address above.


Average Home Insurance Quotes in Fort Smith 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 Fort Smith, Arkansas, if you need $100,000-$200,000 in dwelling coverage, you’ll pay about an average of $1,227 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 $2,045 in Fort Smith, Arkansas.


Home ValueAverage Annual Premium (incl. Wind Coverage)


How Your Home’s Size in Fort Smith Affect Your Home Insurance Rates 


When it comes to home insurance premiums, size matters. One of the several factors that insurance companies consider when calculating your premium is the cost of replacement, which is what it would cost to rebuild your home to its current state. Replacement cost looks at the current building prices in your area and the square footage of your home; so, a large home will come with a higher cost of replacement which tends to contribute to higher premiums. Larger homes also typically house more contents, requiring higher personal property coverage limits. In Fort Smith, the average home insurance quote for a home bigger than 2,000 square feet is 41% more expensive than quotes for a home less than 2,000 square feet. For reference, the average home insurance quote from TGS Insurance for homes bigger than 2,000 square feet is $1,758 annually on average, while homes smaller than 2,000 square feet have been running closer to $1,238


Cheapest Fort Smith Home Insurance Carriers 


When considering purchasing a home insurance policy, the price is more often than not the most influential factor. Carriers set their own rates, so your policy premium will vary across different providers, even with the same coverage. Our two most affordable (and popular) insurance providers in Fort Smith, Arkansas, are State Auto and Encompass. On average, TGS Insurance homeowners in Fort Smith, Arkansas, pay $1,586 for State Auto annually and $1,659 for Encompass

Zip Codes in Fort Smith TGS Insurance Covers


  • 72901
  • 72903
  • 72904
  • 72908
  • 72916


Don’t see your zip code? We’ve got you covered! Enter your address above for a free instant home insurance quote

TGS Insurance is Fort Smith's Premier Home Insurance Provider

Fort Smith neighborhood

Billed as the place "where the new south meets the old west" Fort Smith, Arkansas is located on the Arkansas-Oklahoma border. The city is known for its wild west history and is home to many historic sites that are part of the Arkansas Heritage Trails System. The love of the great outdoors is abundant in Fort Smith, with many fishing spots, bird sanctuaries, walking and hiking trails, canoeing, and so much more. It's easy to see why over 225,000 people call Forth Smith, Arkansas home!

Fort Smith neighborhood

TGS Insurance Agency has provided our neighbors in Fort Smith 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 Fort Smith


Total Population in Fort Smith, AR


Average Home Value in Fort Smith, AR


Median Household Income in Fort Smith, AR


Median Age in Fort Smith, AR

Major Neighborhoods in Fort Smith, AR

Image of Park Hill Neighborhood

Park Hill

Park Hill is a charming, laid-back neighborhood just outside of downtown Fort Smith. The neighborhood offers a range of architectural charm from cottages to craftsman-style homes.

Image of Lakeside Crossing Neighborhood

Lakeside Crossing

The brand new Lakeside Crossing subdivision in Fort Smith consists of 61 custom home plans ranging from 1,600 square feet to 2,500 square feet. Residents have easy access to fishing, trails, kayaking, and more!

Image of Cavanaugh Neighborhood


The Cavanaugh neighborhood is located on the southwest side of Fort Smith. The community is bound by 255 to the north, 540 to the south and east, and the Oklahoma-Arkansas border to the west.

Image of Riley Farm Neighborhood

Riley Farm

Riley Farm is a new and highly sought-after upscale community in Fort Smith. The 500-acre development is located in south Fort Smith and is comprised of 9 subdivisions.

Image of Fianna Hills Neighborhood

Fianna Hills

The charming Fianna Hills community is located in south Fort Smith. The quiet community is bound by 71 to the east, 540 to the north, and 253 to the west which is convenient for commuting.

Image of Regency Park Neighborhood

Regency Park

Located just off US-71, the Regency Park community is located in the heart of Fort Smith, and residents of the subdivision enjoy convenient access to trails, shopping, restaurants, and entertainment.

Local Home Resources in Fort Smith, AR

Fire Departments
Bonanza Fire Dept200 Sherwood Ave
Fort Smith, AR 72916
(479) 638-8799
Fort Smith Fire Dept200 N 5th St
Fort Smith, AR 72901
(479) 782-9131
Jenny Lind Fire Dept14711 Rye Hill Rd S
Fort Smith, AR 72916
(479) 996-0770
Police Departments
Fort Smith City Police100 S 10th St
Fort Smith, AR 72919
Fort smith Police Dept100 S 10TH ST
FORT SMITH, AR 72901-3710
Fort Smith Police Detective100 S 10th St
Fort Smith, AR 72919
Fort Smith Police Detective100 S 10th St
Fort Smith, AR 72901
Fort Smith Police Patrol Div100 S 10th St
Fort Smith, AR 72919
Sheriff's Office800 S A St
Fort Smith, AR 72901