Finding Affordable Pine Bluff 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 Homeowners Insurance in Pine Bluff cover?
The majority of home insurance policies include some level of the following types of coverages.
Coverage A covers damages to your home
Coverage B covers damages to additional structures on your property such as detached garages, sheds, or fences
Coverage C covers damage to personal property such as furniture, electronics, and clothes
Coverage D covers additional living expenses if your home becomes uninhabitable due to a covered loss
Coverage E covers personal liability including coverage for claims arising from accidents on your property
Coverage F covers medical expenses for injuries occurring on your property for those outside of your household
How Much is Home Insurance in Pine Bluff, Arkansas?
Pine Bluff home insurance costs an average of $1,616 per year among TGS Insurance customers. This average is based on policies with an average home value of $215,155 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 Pine Bluff By Dwelling Coverage Levels
Home insurance carriers take into consideration several different factors when calculating your home insurance premium. One of the most significant components is how much dwelling coverage you need. Dwelling coverage refers to the amount it would cost to completely rebuild your home from the ground up to its current value. Unfortunately, some homeowners don’t carry enough dwelling coverage. If a disaster were to strike, you wouldn’t have enough financial assistance to help rebuild your home and would be left with the remaining balance. In Pine Bluff, homeowners wanting $100,000-$200,000 in coverage should expect to pay about $1,404 per year for homeowners insurance. For $300,000-$400,000 in dwelling coverage, homeowners would see an average of $2,067 in Pine Bluff, Arkansas. The more dwelling coverage, the higher the home insurance premium.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $100,000-$200,000 | $1,404 |
| $200,000-$300,000 | $1,747 |
| $300,000-$400,000 | $2,067 |
| $400,000-$500,000 | $2,241 |
Pine Bluff 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 Pine Bluff for homes that are 15+ old are on average 5% higher than homes that were built within the past 15 years.
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
- Location
- Marital status
- Size
- Replacement cost
- And much more!
Average Home Insurance Premiums in Pine Bluff by Carrier
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 Pine Bluff, Arkansas, are Encompass and State Auto. On average, TGS Insurance homeowners in Pine Bluff, Arkansas, pay $1,648 for Encompass annually and $1,884 for State Auto.
Zip Codes in Pine Bluff TGS Insurance Covers
- 71601
- 71603
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