Finding Affordable North Little Rock 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 North Little Rock Home Insurance Cover?
Buying a house is no small investment and now is the time to protect it as you make it your home. Home insurance policies provide homeowners with coverage for your home’s structure, any additional structures on your property (sheds, garages, fences, etc.), and personal items (various policy limits will apply). Home insurance policies will also include personal financial protection against legal action and medical bills should someone have an accident while on your property.
How Much Does North Little Rock Home Insurance Cost?
The average homeowners insurance policy in North Little Rock costs an average of $1,327 per year among TGS Insurance customers. This average is based on policies with an average home value of $206,187 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!
Average Home Insurance Quotes in North Little Rock 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 North Little Rock, Arkansas will cost an average of $1,114. However, if you needed $300,000-$400,000 in dwelling coverage, your home insurance premium would then increase to an average of $1,847. The more dwelling coverage you want, the higher the home insurance premium.
Home Value Average Annual Premium (incl. Wind Coverage)
$100,000-$200,000 $1,114
$200,000-$300,000 $1,531
$300,000-$400,000 $1,847
$400,000-$500,000 $2,050
How the Size of Your North Little Rock 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 North Little Rock for homes that 2,000+ square feet are, on average, 43% higher than homes that are less than 2,000 square feet in size.
Home Size in Square Feet Average Annual Premium (incl. Wind Coverage)
0-2,000 sq ft $1,126
2,000+ sq ft $1,620
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!
Average Home Insurance Premiums in North Little Rock by Carrier
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 North Little Rock, Arkansas, are Encompass and State Auto. On average, TGS Insurance homeowners in North Little Rock, Arkansas, pay $1,367 for Encompass annually and $1,593 for State Auto.
North Little Rock Zip Codes We Insure
- 72114
- 72116
- 72117
- 72118
- 72119
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.
