Finding Affordable Paragould Home Insurance Made Simple
Shopping for home insurance can be an exhausting, dull, and downright stressful process. TGS Insurance Agency is here to change that. At TGS Insurance, we do all of the nitty-gritty work for you, so you don’t have to! Our agents will shop your home insurance policy across our bank of 35+ carriers to find you the best policy at the best price, so you never have to compromise on coverage to save money. How do you get started? Easy! All we need is your address, and you’ll get an accurate quote in 15 seconds or less. After that, our agents will further customize your policy so it’s tailored to your specific insurance needs. Shopping for home insurance has never been so simple!
We shop, you save, it’s really that easy.
Paragould Home Insurance Coverage: The Basics
You’ve invested 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 Does Paragould Home Insurance Cost?
The average homeowners insurance policy in Paragould costs an average of $1,331 per year among TGS Insurance customers. This average is based on policies with an average home value of $195,720 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 saved 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 Paragould 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 Paragould, Arkansas, if you need $100,000-$200,000 in dwelling coverage, you’ll pay about an average of $1,232 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 $1,764 in Paragould, Arkansas.
Home Value Average Annual Premium (incl. Wind Coverage)
Paragould Home Insurance Quotes and Your Home’s Age by the Numbers
Many factors go into calculating your home insurance premium, one of which is your home’s age. Typically, older homes are more expensive to insure because their construction and structural components tend to be more obsolete (Ex. using galvanized piping instead of PEX) and experienced years of general wear and tear. Both contribute to an older home being more susceptible to damage- therefore a higher risk to insure. Our data shows that homes in Paragould for homes that are 15+ old are on average 29% higher than homes that were built within the past 15 years.
Home Age Average Annual Premium (incl. Wind Coverage)
0-15 Years $1,131
15+ Years $1,454
Age is not the only influencing factor for your home insurance premium. Carriers look at a variety of other things, including:
- Attractive nuisances (Ex. pools, trampolines, playsets, etc.)
- Breeds of pets
- Claims history
- Credit history
- Crime rate
- Marital status
- Replacement cost
- And much more!
Cheapest Paragould Home Insurance Carriers
When considering purchasing a home insurance policy, the price is more often than not the most influential factor. Carriers set their rates, so your policy premium will vary across providers, even with the same coverage. Our two most affordable (and popular) insurance providers in Paragould, Arkansas, are Encompass and State Auto. On average, TGS Insurance homeowners in Paragould, Arkansas, pay $1,338 for Encompass annually and $1,620 for State Auto.
Paragould Zip Codes We Insure
Zip code not listed? Don’t worry! We can help homeowners throughout Arkansas save money on their home insurance. Get started with a free instant quote by providing your address above.