Getting a Prairie Grove Home Insurance Quote Has Never Been Easier!
Gone are the days of filling out endless questionnaires about your home or talking on the phone with an insurance agent for over 15 minutes, only to wait days to get an insurance quote. At TGS Insurance, we’ve flipped the industry norm upside down to provide customers with a real, accurate home insurance quote in 15 seconds or less, using just your address! That policy is shopped through our bank of 35+ A-rated (or better) carriers, so you can rest-assure it’s the best policy the market has to offer! We even handle everything from policy inception to payment and anything else in between for the easiest shopping experience ever.
You’re one click away from never having to worry about insurance again!
What Does Prairie Grove 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 Prairie Grove Home Insurance Cost?
The average homeowners insurance policy in Prairie Grove costs an average of $1,197 per year among TGS Insurance customers. This average is based on policies with an average home value of $182,726 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 Prairie Grove By Dwelling Coverage Levels
Home insurance carriers consider several different factors when calculating your home insurance premium. One of the biggest 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 Prairie Grove, homeowners wanting $100,000-$200,000 in coverage should expect to pay about $1,091 per year for homeowners insurance. For $300,000-$400,000 in dwelling coverage, homeowners would see an average of $1,721 in Prairie Grove, Arkansas. The more dwelling coverage, the higher the home insurance premium.
Home Value Average Annual Premium (incl. Wind Coverage)
How Your Home’s Size in Prairie Grove 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, which is 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 larger 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 Prairie Grove, the average home insurance quote for a home bigger than 2,000 square feet is 40% 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 $1,543 annually on average, while homes smaller than 2,000 square feet have been running closer to $1,100.
Home Size in Square Feet Average Annual Premium (incl. Wind Coverage)
0-2,000 sq ft $1,100
2,000+ sq ft $1,543
Cheapest Prairie Grove Home Insurance Carriers
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 Prairie Grove, Arkansas, are Encompass and State Auto. On average, TGS Insurance homeowners in Prairie Grove, Arkansas, pay $1,223 for Encompass annually and $1,327 for State Auto.
Prairie Grove Zip Codes We Insure
Zip code not listed? Not a problem! We can find incredible rates for homeowners throughout Arkansas. Enter your address above for a free instant home insurance quote.