Getting a Searcy 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! What’s even better? 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 Searcy 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 Searcy, Arkansas?
The average cost for home insurance in Searcy is $1,415 among TGS Insurance Agency customers. This average is based on policies with an average home value of $213,603. While every policy is different and dependent on multiple factors, including your home’s value and coverages your choose, we have proudly been able to save our Arkansas customers an average of $870 per year on their home insurance premiums when they switch to us. 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 Searcy 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 Searcy, Arkansas, if you need $100,000-$200,000 in dwelling coverage, you’ll pay about an average of $1,268 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 $1,791 in Searcy, Arkansas.
Home Value Average Annual Premium (incl. Wind Coverage)
$100,000-$200,000 $1,268
$200,000-$300,000 $1,507
$300,000-$400,000 $2,036
$400,000-$500,000 $2,361
How the Size of Your Searcy Home Impacts Your Homeowners Insurance Rates
Many factors impact your home insurance premium, and one of those factors is the square footage of your home. As the footprint of your home increases, the cost of replacing it should it need to be rebuilt due to covered perils increases. For this reason, insurers view bigger homes as a more significant risk and will often come with a higher home insurance premium to reflect that more substantial risk. Our data shows that home insurance quotes in Searcy for homes that 2,000+ square feet are, on average, 25% higher than homes that are less than 2,000 square feet in size.
Home Size in Square Feet Average Annual Premium (incl. Wind Coverage)
0-2,000 sq ft $1,277
2,000+ sq ft $1,593
Keep in mind that size is not the only factor influencing your premium! Other factors insurers often consider include:
- Location
- Age
- Roof condition and age
- Credit history
- Claims history
- Marital Status
- Breeds of pets
- Attractive nuisances (swimming pools, trampolines, swing sets, etc.)
- And more!
Most Inexpensive Searcy Home Insurance Companies
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 Searcy, Arkansas, are Encompass and State Auto. On average, TGS Insurance homeowners in Searcy, Arkansas, pay $1,415 for Encompass annually and $1,893 for State Auto.
Searcy Zip Codes We Insure
- 72143
- 72149
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.
