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Getting a Hot Springs 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’s even better? That policy is shopped through our bank of 35+ A-rated (or better) carriers so you can rest-assure it’s the best policy the market has to offer! We even handle everything from policy inception to payment and anything else in between for the easiest shopping experience ever. 

 

You’re one click away from never having to worry about insurance again! 

 

Hot Springs Home Insurance Coverage: The Basics

 

You’ve made the investment 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 Hot Springs, Arkansas?

 

Hot Springs home insurance costs an average of $1,701 per year among TGS Insurance customers. This average is based on policies with an average home value of $225,762 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! 

 

Average Home Insurance Quotes in Hot Springs 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 Hot Springs, Arkansas will cost an average of $1,410. However, if you needed $300,000-$400,000 in dwelling coverage, your home insurance premium would then increase to an average of $2,214. The more dwelling coverage you want, the higher the home insurance premium. 

 

Home ValueAverage Annual Premium (incl. Wind Coverage)
$100,000-$200,000$1,410
$200,000-$300,000$1,847
$300,000-$400,000$2,214
$400,000-$500,000$2,437

 

The Age of Your Home and Homeowners Insurance in Hot Springs, Arkansas

 

Homeowners in Hot Springs 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 Hot Springs, the average home insurance quote for homes that were built more than 15 years ago is 10% 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 $1,589 while those with homes older than 15 years see quotes closer to an average of $1,742 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!)

 

Hot Springs 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 Hot Springs, Arkansas, are Encompass and State Auto. Home insurance quotes from TGS Insurance for Encompass average $1,810 annually. Home insurance quotes for State Auto run a little bit higher, averaging $1,908 per year.

 

Hot Springs Zip Codes We Insure

 

  • 71901
  • 71913
  • 71909

 

Zip code not listed? Not a problem! We are able to incredible rates for homeowners throughout ArkansasEnter your address above for a free instant home insurance quote. 

TGS Insurance is Hot Springs' Premier Home Insurance Provider

Hot Springs neighborhood

Hot Springs, Arkansas is located in Garland County and is the boyhood home of former U.S. President Bill Clinton. Hot Springs, Arkansas is home to Hot Springs National Park which is one of the smallest and oldest of the parks in the National Park System. It dates back to 1832 when Congress established the first federally protected area in the nation’s history, which is 40 years ahead of Yellowstone. Hot Springs, Arkansas is home to a population of about 35,000 residents.

Hot Springs neighborhood

TGS Insurance provides home insurance in Hot Springs from dozens of different carriers. Hot Springs customers all want the same thing - the best home insurance policy at the lowest price. As an independent company with thousands of customers, 35+ carriers, and amazing customer service, we win business from Hot Springs residents every single day.

Key Home Statistics in Hot Springs

37,930

Total Population in Hot Springs, AR

$201,043

Average Home Value in Hot Springs, AR

$37,552

Median Household Income in Hot Springs, AR

42

Median Age in Hot Springs, AR

Major Neighborhoods in Hot Springs, AR

Image of Caroline Acres Neighborhood

Caroline Acres

The highly desirable Caroline Acres neighborhood in Hot Springs is a peaceful community located on Lake Hamilton. With a combination of older, ranch-style homes and newly-developed custom homes, there is something for everyone in Caroline Acres.

Image of Tanglewood Estates Neighborhood

Tanglewood Estates

Tanglewood Estates is located in southwest Hot Springs on Lake Hamilton. The community features several gorgeous lake estates and offers residents access to its own neighborhood boat ramp

Image of Trivista Neighborhood

Trivista

Trivista neighborhood, centrally located in Hot Springs, is known for its charming historic homes and beautiful tree-lined streets.

Local Home Resources in Hot Springs, AR

Fire Departments
Highway 70 W Fire Dept2900 Airport Rd
Hot Springs, AR 71913
(501) 767-8540
Hot Springs City - Fire DepartmentHot Springs National Park, 101 Reserve St
Hot Springs, AR 71901
(501) 321-6970
Hot Springs National Pk Fire Dept310 Broadway St
Hot Springs, AR 71901
(501) 321-6970
Morning Star Fire Dept115 Chad St
Hot Springs, AR

Mountain Pine Rural Volunteer220 Ouachita Ave
Hot Springs, AR 71901
(501) 624-4585
Police Departments
Arkansas Department of State PoliceP.O. BOX 2040
Hot Springs, AR 719142040
5017678550
Garland County Sheriff's Dept525 Ouachita Ave
Hot Springs, AR 71901
5016223660
Hot Springs Police Dept641 Malvern Ave
Hot Springs, AR 71901
5013216789