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Siloam Springs, AR

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Getting a Siloam Springs Home Insurance Quote is as Easy as 1-2-3! 

 

Getting the best homeowner’s insurance in Siloam Springs is simple when you use TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote. 

 

  1. Enter your address
  2. View your quote 
  3. Customize your coverage with the guidance of one of our expert independent agents

 

Siloam Springs Home Insurance Coverage: The Basics

 

You’ve invested in your house; now it’s time to protect it while you make it your home. Most standard policies will provide coverage for the structure of your home, any additional structures on the property, such as a shed or detached garage, and your personal belongings (with varying limits). Coverage will also include financial protection from legal action and medical care in the instance that someone is harmed on your property. 

 

How Much is Home Insurance in Siloam Springs, Arkansas?

 

The average cost of homeowners insurance in Siloam Springs is $1,345 among TGS Insurance Agency customers. This average includes windstorm and hail coverage and is based on policies with an average home value of $200,658. 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 Siloam Springs 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 Siloam Springs, homeowners wanting $100,000-$200,000 in coverage should expect to pay about $1,231 per year for homeowners insurance. For $300,000-$400,000 in dwelling coverage, homeowners would see an average of $1,762 in Siloam Springs, Arkansas. The more dwelling coverage, the higher the home insurance premium. 

 

Home ValueAverage Annual Premium (incl. Wind Coverage)
$100,000-$200,000$1,231
$200,000-$300,000$1,452
$300,000-$400,000$1,762
$400,000-$500,000$1,980

 

Siloam Springs 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 Siloam Springs for homes that are 15+ old are on average 32% higher than homes that were built within the past 15 years. 

 

Home AgeAverage Annual Premium (incl. Wind Coverage)
0-15 Years$1,139
15+ Years$1,501

 

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!

 

Cheapest Siloam Springs 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 Siloam Springs, Arkansas, are Encompass and State Auto. On average, TGS Insurance homeowners in Siloam Springs, Arkansas, pay $1,348 for Encompass annually and $1,681 for State Auto

 

Siloam Springs Zip Codes We Insure

 

  • 72761

 

Zip code not listed? Not a problem! We can find incredible rates for homeowners throughout ArkansasEnter your address above for a free instant home insurance quote. 

TGS Insurance is Siloam Springs' Premier Home Insurance Provider

Siloam Springs neighborhood

Siloam Springs, Arkansas is located in the far northwest corner of Arkansas on the border with Oklahoma about 30 miles from Fayetteville, Arkansas with a population of about 16,000. Siloam Springs, Arkansas is known for its community, volunteerism and natural beauty. One of its features is the pristine, physical setting of the downtown with Sager Creek rock wall lined banks flowing through downtown. There a beautiful parks along the creek with fountains, foot bridges, gazebos, and even duck crossings to compel visitors to relax and enjoy their surroundings.

Siloam Springs neighborhood

The TGS Insurance Agency team of independent insurance agents is dedicated to tailoring home insurance policies that are as unique as your Siloam Springs home while promising best-in-class customer service. When you contact TGS Insurance, you can expect to work with the best and know that you are getting the right coverage at the best price.

Key Home Statistics in Siloam Springs

17,101

Total Population in Siloam Springs, AR

$207,523

Average Home Value in Siloam Springs, AR

$47,016

Median Household Income in Siloam Springs, AR

29

Median Age in Siloam Springs, AR

Major Neighborhoods in Siloam Springs, AR

Image of Grandview Estates Neighborhood

Grandview Estates

Located just off Highway 42, the Grandview Estates community is centrally located in the heart of Siloam Springs. Residents enjoy convenient access to trails, shopping, restaurants, and entertainment.

Local Home Resources in Siloam Springs, AR

Fire Departments
Gallatin Fire Dept15050 Fairmount Rd
Siloam Springs, AR 72761
(479) 549-9020
Siloam Springs City - Fire Business Office1450 Cheri Whitlock Dr
Siloam Springs, AR 72761
(479) 524-3103
Police Departments
Siloam Springs Police Dept410 N BROADWAY ST
SILOAM SPRINGS, AR 72761-2799
4795244118
SILOAM SPRINGS POLICE DEPTPO BOX 80
SILOAM SPRINGS, AR 72761
4795244118
Siloam Springs Police Dept410 N Broadway St
Siloam Springs, AR 72761
4795248513