Finding Affordable Rogers 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 a real quote in 15 seconds or less. After that, our agents will work to 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.
What Does Rogers Home Insurance Cover?
A home insurance policy can, and should, be customized to fit your specific needs, but standard policies usually offer:
- Coverage for your home and additional structures on your property such as detached garages, sheds, and fences
- Coverage for your personal belongings such as clothes, furniture, and electronics
- Coverage for personal liability exposures that comes with being a homeowner such as a guest being hurt on your property
- Coverage for living expenses should your home become uninhabitable and you require temporary lodging while it is repaired or replaced
How Much Does Rogers Home Insurance Cost?
The average homeowners insurance policy in Rogers costs an average of $1,444 per year among TGS Insurance customers. This average is based on policies with an average home value of $231,104 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!
Comparing Average Home Insurance Premiums in Rogers 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 Rogers, carrying $150,000 in dwelling coverage would result in a premium of around $1,213 per year, whereas having dwelling coverage worth closer to $350,000 would cost around $1,780 per year.
| Home Value | Average Annual Premium (incl. Wind Coverage) |
|---|---|
| $100,000-$200,000 | $1,213 |
| $200,000-$300,000 | $1,515 |
| $300,000-$400,000 | $1,780 |
| $400,000-$500,000 | $1,997 |
The Age of Your Home and Homeowners Insurance in Rogers, Arkansas
Homeowners in Rogers looking for the most affordable home insurance rates may want to consider looking at newer homes. While older homes may have a certain charm that can be lost on new builds, they also tend to have more problems as elements such as piping or mechanical systems age; this means they are a more considerable risk to insure in the eyes of carriers. In fact, in Rogers, the average home insurance quote for homes that were built more than 15 years ago is 24% more than a home built within the past 15 years. Over the last few years, we have seen homeowners with homes built in the past 15 years pay an average annual premium of $1,272 while those with homes older than 15 years see quotes closer to an average of $1,575 per year.
If you own an older home, there are several steps you can take to help reduce your premiums, such as:
- Bundle your home policy with another policy
- Choose a higher deductible
- Keep your home’s replacement cost estimate up to date
- Stay ahead of repairs and updates to your home by scheduling routine maintenance (and be sure to notify your agent of repairs or upgrades made!)
Rogers Home Insurance Averages by Carrier
Homeowners look at various things when deciding what home insurance policy to buy, coverage and cost being the two most influential factors. It’s important for homeowners in Rogers to comparison shop their policy across several different insurance carriers because the same coverage could vary in price. Our two most affordable (and popular) insurance providers in Rogers, Arkansas, are Encompass and State Auto. On average, TGS Insurance homeowners in Rogers, Arkansas, pay $1,458 annually for Encompass and $1,835 for State Auto.
Rogers Zip Codes We Insure
- 72756
- 72758
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.
