Getting a Little Rock Home Insurance Quote is as Easy as 1-2-3!
Getting the best homeowner’s insurance in Little Rock is simple when you use TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote.
- Enter your address
- View your quote
- Customize your coverage with the guidance of one of our expert independent agents
Little Rock Home Insurance Coverage: The Basics
There are several standard forms of homeowners insurance that offer various levels of protection from varying perils depending on the needs of the home and homeowner. The majority of these forms include coverage (at some level) for:
- Your home’s structure
- Additional structures on your property (detached garage, shed, fence, etc)
- Your personal belongings
- Liability for injuries on your property
How Much is Home Insurance in Little Rock, Arkansas?
The average cost for home insurance in Little Rock is $1,591 among TGS Insurance Agency customers. This average is based on policies with an average home value of $243,055. 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!
Comparing Average Home Insurance Premiums in Little Rock 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 Little Rock, carrying $150,000 in dwelling coverage would result in a premium of around $1,357 per year, whereas having dwelling coverage worth closer to $350,000 would cost around $1,893 per year.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $100,000-$200,000 | $1,357 |
| $200,000-$300,000 | $1,619 |
| $300,000-$400,000 | $1,893 |
| $400,000-$500,000 | $2,091 |
How Your Home’s Size in Little Rock 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 or 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 which requires higher personal property coverage limits. In Little Rock, the average home insurance quote for a home bigger than 2,000 square feet is 28% 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 $1,753 annually on average, while homes smaller than 2,000 square feet have been running closer to $1,368.
Comparing Little Rock Home Insurance Rates to Nearby Cities in Central Arkansas
Insurance companies also price policies differently based on where your home is located in Arkansas. Rates can vary from zip code to zip code as well as from street to street. The average home insurance quote for Central Arkansas from TGS Insurance Agency is $1,420. With an average home insurance premium of $1,591 per year, Little Rock is the 14th most expensive city for home insurance in Central Arkansas.
City Avg. Home Insurance Quote (incl Windstorm/Hail)
Ward, AR $1,277
Greenbrier, AR $1,291
Morrilton, AR $1,308
North Little Rock, AR $1,327
Conway, AR $1,338
Alexander, AR $1,399
Searcy, AR $1,415
Jacksonville, AR $1,441
Benton, AR $1,445
Beebe, AR $1,450
Cabot, AR $1,450
Sherwood, AR $1,463
Bryant, AR $1,502
Little Rock, AR $1,592
Maumelle, AR $1,600
Little Rock Home Insurance Rates by Insurer
Choosing your home insurance provider is about more than just price; however, 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 Little Rock, Arkansas, are Encompass and State Auto. Home insurance quotes from TGS Insurance for Encompass average $1,599 annually. Home insurance quotes for State Auto run a little bit higher, averaging $2,115 per year.
Little Rock Zip Codes We Insure
72201 72204 72205
72206 72207 72209
72210 72211 72212
72223 72227
Zip code not listed? Not a problem! We are able to incredible rates for homeowners throughout Arkansas. Enter your address above for a free instant home insurance quote.
