Comparison Shop Home Insurance in Ward from Multiple Carriers in Minutes!
Did you know less than 50% of homeowners comparison shop when their policy is up? That means more than half of homeowners are leaving potential savings on the table. It’s time to recoup the savings! At TGS Insurance, our team of agents will take away the hassle of comparing insurance providers by doing the hard work for you! As an independent insurance agency, we’re carrier-agnostic, which means we don’t work for one insurance provider; we work for you! When you input your address, we’ll shop our bank of 35+ top carriers to find you the best policy at an exceptional rate in just 15 seconds!
Ward Home Insurance Coverage: The Basics
Several standard forms of homeowners insurance offer various levels of protection from varying perils depending on the needs of the home and homeowner. The majority of these forms include coverage (at some level) for:
- Your home’s structure
- Additional structures on your property (detached garage, shed, fence, etc.)
- Your personal belongings
- Liability for injuries on your property
How Much Does Ward Homeowners Insurance Cost?
The average TGS Insurance home insurance policy for Ward is $1,277 per year. This average is based on policies with an average home value of $167,533 and includes windstorm and hail coverage with a 2% deductible. Home insurance rates differ considerably due to several constituents, based on you, your home, and your location, among many other things. We offer flexible options to all of our clients so they can find the right policy without paying for too much or too little homeowners insurance coverage. Get started with a free instant home insurance quote by providing your address above.
Average Home Insurance Quotes in Ward 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 Ward, Arkansas, if you need $100,000-$200,000 in dwelling coverage, you’ll pay about an average of $1,218 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 $1,720 in Ward, Arkansas.
Home Value Average Annual Premium (incl. Wind Coverage)
Ward Home Insurance Quotes and Home Size by the Numbers
The estimated cost of rebuilding your home plays a large role in the home insurance premium you can expect to pay. The square footage of your home directly impacts the cost of rebuilding your home since a larger home will require more building materials and will generally be more expensive to rebuild than a smaller home. 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. In Ward, the average home insurance quote for a home bigger than 2,000 square feet is 29% more expensive than quotes for a home less than 2,000 square feet.
Home Size in Square Feet Average Annual Premium (incl. Wind Coverage)
0-2,000 sq ft $1,222
2,000+ sq ft $1,580
Ward Home Insurance Rates by Insurer
Choosing your home insurance provider is about more than just price, but the cost is undoubtedly an essential factor. Because each carrier sets its own rates, sometimes the same coverage will sometimes vary in price among carriers. Two of our most popular insurance providers in Ward, Arkansas, are Encompass and State Auto. Home insurance quotes from TGS Insurance for Encompass average $1,277 annually. State Auto’s home insurance quotes run a little bit higher, averaging $1,590 per year.
Ward Zip Codes We Insure
Don’t see your zip code? Don’t panic! We’re ready to help homeowners throughout Arkansas save money on their home insurance. See how much you could be saving by providing your address above for a free home insurance instant quote.