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West Memphis, AR

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Getting a West Memphis 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! 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! 

 

West Memphis 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 is Home Insurance in West Memphis, Arkansas?

 

The average cost of homeowners insurance in West Memphis is $1,612 among TGS Insurance Agency customers. This average includes windstorm and hail coverage and is based on policies with an average home value of $204,848. Every policy is unique based on the characteristics of the home and coverage needs so that rates will vary from home to home and even carrier to carrier. By comparing shopping policies, we can find the right policy at the best price without compromising 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 West Memphis By Dwelling Coverage Levels

 

Home insurance carriers consider several different factors when calculating your home insurance premium. One of the most significant 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 West Memphis, homeowners wanting $100,000-$200,000 in coverage should expect to pay about $1,307 per year for homeowners insurance. For $300,000-$400,000 in dwelling coverage, homeowners would see an average of $2,354 in West Memphis, Arkansas. The more dwelling coverage, the higher the home insurance premium. 

 

Home ValueAverage Annual Premium (incl. Wind Coverage)
$100,000-$200,000$1,307
$200,000-$300,000$1,891
$300,000-$400,000$2,354
$400,000-$500,000$2,674

 

How Does Home Age Impact Home Insurance Rates in West Memphis, Arkansas

 

Many factors impact your home insurance premium, and one of those factors is the age of your home. As your home ages, the need for improvements and repairs increases, increasing the likelihood of filing a claim. For this reason, insurers view older 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 West Memphis for homes that are 15+ years old are, on average, 6% higher than homes that were built within the past 15 years.

 

Home AgeAverage Annual Premium (incl. Wind Coverage)
0-15 Years$1,258
15+ Years$1,636

 

Keep in mind that age is not the only factor influencing your premium! Other factors insurers often consider include:

  • Location
  • Replacement cost
  • Credit history
  • Claims history
  • Marital Status
  • Breeds of pets
  • Attractive nuisances (swimming pools, trampolines, swing sets, etc.)
  • And more! 

 

Most Affordable Home Insurance Companies in West Memphis

 

Homeowners look at various things when deciding what home insurance policy to buy, coverage and cost being the two most influential factors. It’s crucial for homeowners in West Memphis 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 West Memphis, Arkansas, are State Auto and Encompass. On average, TGS Insurance homeowners in West Memphis, Arkansas, pay $1,691 annually for State Auto and $1,871 for Encompass. 

 

Zip Codes in West Memphis TGS Insurance Covers

 

  • 72301

 

Don’t see your zip code? We’ve got you covered! Enter your address above for a free instant home insurance quote. 

TGS Insurance is West Memphis' Premier Home Insurance Provider

West Memphis neighborhood

In West Memphis, Arkansas the old towns of Hopefield, Bragg, and Hulbert which sat on the west bank of the Mississippi River now all make up West Memphis, Arkansas. The name “West Memphis” came into use in the early 1900s because lumber shipped from the Memphis market to foreign buyers brought higher prices. Also, West Memphis, Arkansas sits directly across the Mississippi River from Memphis, Tennessee. West Memphis, Arkansas has been growing ever since the first rail bridge in 1892 and then the first automobile bridge in 1917. The I-40 DeSoto Bridge was dedicated in 1972.

West Memphis neighborhood

TGS Insurance Agency has provided our neighbors in West Memphis with complete home insurance coverage since 2017. Our team is dedicated to working with each homeowner to find the right policy for their individual needs at the best price available by leveraging our partnerships with 35+ carriers.

Key Home Statistics in West Memphis

24,520

Total Population in West Memphis, AR

$85,052

Average Home Value in West Memphis, AR

$33,103

Median Household Income in West Memphis, AR

33

Median Age in West Memphis, AR

Local Home Resources in West Memphis, AR

Fire Departments
West Memphis City - Fire Department204 S 7th St
West Memphis, AR 72301
(870) 732-7570
West Memphis Fire Dept200 N 7th St
West Memphis, AR 72301
(870) 732-7570
Police Departments
Arkansas Highway Police100 INTERSTATE 40
WEST MEMPHIS, AR 72301
8707353936
City Records-police Dept626 E Broadway St
West Memphis, AR 72301
8707327535
West Memphis Police Department626 E Broadway St
West Memphis, AR 72303
8707351210
West Memphis Police-detective626 E Broadway St
West Memphis, AR 72301
8707350111