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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. 

 

  1. Enter your address
  2. View your quote 
  3. 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 ValueAverage 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.   

 

CityAvg. 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

 

722017220472205
722067220772209
722107221172212
7222372227

 

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

TGS Insurance is Little Rock's Premier Home Insurance Provider

Little Rock neighborhood

Little Rock, Arkansas is the capital city of "The Natural State" and sits along the banks of the Arkansas River in Pulaski County. The city got its name from an actual little rock! French explorer Bernard de la Harpe christened a rock formation along the Arkansas River as La Petite Roche, "the little rock" and the name has stuck since it was settled. Residents of this city enjoy a bustling and growing city life, while still getting to enjoy the gorgeous outdoors and landscapes that Arkansas is known for. It's easy to see why over 200,000 Arkansans call Little Rock home!

Little Rock neighborhood

The TGS Insurance team understands that your home is more than just a place to live, and that’s why we are honored so many Little Rock homeowners have entrusted us to help protect it with the right insurance coverage. Our team is dedicated to finding each Little Rock homeowner the right coverage at the best price while providing an excellent customer service experience!

Key Home Statistics in Little Rock

202,591

Total Population in Little Rock, AR

$171,459

Average Home Value in Little Rock, AR

$51,485

Median Household Income in Little Rock, AR

37

Median Age in Little Rock, AR

Major Neighborhoods in Little Rock, AR

Image of Broadmoor Neighborhood

Broadmoor

Located in the University District, Broadmoor boasts a range of mid-century modern homes with architectural charm built beginning in 1953. The peaceful neighborhood is across the street from the University of Arkansas at Little Rock.

Image of Wisteria Neighborhood

Wisteria

Wisteria is a new construction neighborhood in Little Rock, Arkansas, located off I-430 at Stagecoach. The community offers a peaceful setting with shopping, dining, and entertainment conveniently nearby

Image of Hillcrest Neighborhood

Hillcrest

Hillcrest is a charming, laid-back neighborhood in Little Rock. The neighborhood offers a range of architectural charm from Craftsman bungalows to American Foursquare houses and Tudor-style home

Image of Rock Creek Neighborhood

Rock Creek

Located about 15 minutes west of downtown Little Rock, the Rock Creek neighborhood is comprised of large, newer homes and was rated #2 on the ‘Best Neighborhood in Little Rock’ list.

Image of Capitol View & Stifft's Station Neighborhood

Capitol View & Stifft's Station

Capitol View & Stifft's Station is a desirable neighborhood in the west-central region of Little Rock. The neighborhood was voted the #1 best neighborhood to raise a family in Little Rock by niche.com.

Image of Heights Neighborhood

Heights

The highly desirable Heights neighborhood is among the most popular in Little Rock and it’s easy to see why. With many homes enjoying views of the Arkansas River, serenity is not hard to find but there is also plenty to do with convenient shopping and dining nearby!

Local Home Resources in Little Rock, AR

Fire Departments
Arch St Fire Dept12214 Arch St
Little Rock, AR 72206
(501) 888-5650
Arch Street Fire Dept15923 Arch St
Little Rock, AR 72206
(501) 888-4162
City of Fire Ministry8925 Gardner Rd
Little Rock, AR 72209
(501) 569-9515
Crystal Fire Department13550 Colonel Glenn Rd
Little Rock, AR 72210
(501) 225-0716
Crystal Fire Dept12301 Colonel Glenn Rd
Little Rock, AR 72210
(501) 225-0716
East End Fire Dept21701 Arch St
Little Rock, AR 72206
(501) 888-5170
Highway 365 S Volunteer Fire Department10710 State 365
Little Rock, AR 72206
(501) 897-5811
Little Rock Fire Dept624 S Chester St
Little Rock, AR 72201
(501) 371-4556
Little Rock Fire Dept1324 N Shackleford Rd
Little Rock, AR 72211

Local Police & Fire Retirement620 W 3rd St
Little Rock, AR 72201
(501) 682-1745
Owens Fire & Casualty400 W Capitol Ave
Little Rock, AR 72201
(501) 376-9774
Quail Creek Fire Department1701 145th St
Little Rock, AR 72206
(501) 897-4843
Sweet Home Volunteer Fire Department1200 Wilson Rd
Little Rock, AR 72205
(501) 490-2509
West Pulaski Volunteer Fire2810 Whispering Pine Rd
Little Rock, AR 72210
(501) 821-9320
Wrightsville City - Wrightsville Fire Department13024 State 365
Little Rock, AR 72206
(501) 897-5950
Wrightsville Volunteer Fire Department Control Burns UNT13016 State 365
Little Rock, AR 72206
(501) 897-2111
Police Departments
Arkansas Department of State Police1 State Police Plaza Dr
Little Rock, AR 722094822
5016188000
Arkansas Dept State Police10324 Interstate 30
Little Rock, AR 72209
5015692421
Arkansas Dept State Police1 State Police Plz
Little Rock, AR 72209
5016188000
Arkansas State Police1 State Police Plz
Little Rock, AR 72209
5016188200
Cammack Village Police Dept2710 N Mckinley St
Little Rock, AR 72207
5016638267
Highway PolicePO Box 2779
Little Rock, AR 72203
5015692421
Little Rock Chief of Police700 W Markham St
Little Rock, AR 72295
5013714621
Little Rock Police Department700 W Markham St
Little Rock, AR 72201
5013714621
Little Rock Police Dept300 E Roosevelt Rd
Little Rock, AR 72206
5013749004
Little Rock Police Dept10001 Kanis Rd
Little Rock, AR 72295
5019183500
Little Rock Police Dept6401 Baseline Rd
Little Rock, AR 72295
5019183900
Little Rock Police Dept300 E Roosevelt Rd
Little Rock, AR 72295
5019185130
North Little Rock Police Dept2725 LAKEWOOD VILLAGE DR
LITTLE ROCK, AR 72206
5018122691
Pulaski Cnty Sheriff-invstgtn2900 S Woodrow St
Little Rock, AR 72204
5013406985
Pulaski Cnty Sheriff-JudicialPO Box 830
Little Rock, AR 72295
5013408450
Pulaski CO Sheriff Department North2900 S WOODROW ST
LITTLE ROCK, AR 72204-6544

Pulaski Co Sheriff Dept North2900 S Woodrow St
Little Rock, AR 72204
5018357390
Pulaski County Sheriff Dept2900 S Woodrow St
Little Rock, AR 72295
5013406600
Pulaski County Sheriff Dept3924 Neely Rd
Little Rock, AR 72295
5014902209
Pulaski County Sheriff Dept25724 Kanis Rd
Little Rock, AR 72295
5018213976
Pulaski County Sheriff Dept10800 Arch St
Little Rock, AR 72295
5018888990
Pulaski County Sheriff Dept10800 Arch St
Little Rock, AR 72206
5018888990
Pulaski County Sheriff-warrant2900 S Woodrow St
Little Rock, AR 72204
5013406975
PULASKI COUNTY SHERIFF'S DEPT2900 S WOODROW ST
LITTLE ROCK, AR 72295
5013406600
Pulaski County Sheriff's Dept2900 S Woodrow St
Little Rock, AR 72204
5013406600
State Police1 State Police Plz
Little Rock, AR 72295
5016188222