Finding Affordable Russellville 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 Russellville 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 is Home Insurance in Russellville, Arkansas?
The average cost of homeowners insurance in Russellville is $1,408 among TGS Insurance Agency customers. This average includes windstorm and hail coverage and is based on policies with an average home value of $210,120. Every policy is unique based on the characteristics of the home and coverage needs, so rates will vary from home to home and even carrier to carrier. By comparison shopping policies, we can find the right policy at the best price without compromising on coverage. On average, we’ve been able to save our customers more than $850/year when they switch to TGS Insurance Agency. Finding out how much you can be saving is as easy as providing your address above for an instant quote– really!
Average Home Insurance Quotes in Russellville 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 choose $100,000-$200,000 in dwelling coverage, your home insurance policy in Russellville, Arkansas, will cost an average of $1,222. However, if you needed $300,000-$400,000 in dwelling coverage, your home insurance premium would then increase to an average of $1,839. The more dwelling coverage you want, the higher the home insurance premium.
Home Value Average Annual Premium (incl. Wind Coverage)
$100,000-$200,000 $1,222
$200,000-$300,000 $1,561
$300,000-$400,000 $1,839
$400,000-$500,000 $2,101
How Your Home’s Size in Russellville 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 content, requiring higher personal property coverage limits. In Russellville, the average home insurance quote for a home bigger than 2,000 square feet is 33% 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 $1,634 annually on average, while homes smaller than 2,000 square feet have been running closer to $1,231.
Cheapest Russellville 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 providers, even with the same coverage. Our two most affordable (and popular) insurance providers in Russellville, Arkansas, are Encompass and State Auto. On average, TGS Insurance homeowners in Russellville, Arkansas, pay $1,450 for Encompass annually and $1,605 for State Auto.
Russellville Zip Codes We Insure
- 72801
- 72802
Zip code not listed? Don’t worry! We’re able to help homeowners throughout Arkansas save money on their home insurance. Get started with a free instant quote by providing your address above.
