Fort Smith Insurance Rates:

Fort Smith, AR home insurance is about $941 to $1,277, about $78-$106/month. Our exhaustive analysis reveals consumers can save upto $443 by getting multiple quotes

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Read Fort Smith, Arkansas Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Fort Smith Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $650/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Bath 2360 sqft Vacation Property Constructed In 1998 with Wood Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $850/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Bath 3320 sqft Primary Residence Constructed In 1962 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

Home Insurance Rate of $760/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1350 sqft Rental Property Constructed In 1993 with Carpet over wood flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $820/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1900 sqft Rental Property Constructed In 1970 with Linoleum, Wood Shake Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $560/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Bath 2370 sqft Rental Property Constructed In 1984 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $360/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1800 sqft Rental Property Constructed In 1985 with Wood Flooring, Membrane Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1750/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 1910 sqft Primary Residence Constructed In 1994 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $110/2 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $45,000

2 Beds, 2 Baths 1310 sqft Primary Residence Constructed In 1991 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

Fort Smith, AR Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
72901 $80,500 $1,090
72904 $70,600 $1,080
72916 $161,900 $1,180
72903 $152,800 $1,150
72908 $134,300 $1,140

Fort Smith Rates & Quotes Analysis:

Fort Smith Area Estimated House Insurance
College Dr, N 54th St, Warner St, Co Rd 178, R St S, E el Paso St, Yukon St, Gary Ave, N Evergreen St, Prairie Dr$1,123
Fenwick Ct, Ferndale St, N 48th St, Riverview Dr, Fieldcrest Dr, Gerald Holt Way, S Greenwood Ave, S Y Cir, Ellsworth Rd, E Woodson Ave$1,178
Kinross Dr, 1st St, Phoenix St, H St, S 71st Cir, S 6th Ave, Thistle Ct, 17th St, Oakview Rd, S 88th St$1,157
Presley St, Hiland St, N Apple St, N 17th St, Tennessee Cir, N 2nd Ave, N 39th St, N 57th St, Howell Ave, Sebastian Lake Dr$1,117
Hwy 10 NE, Maple St, Keswick Pl, Birnie Ave, N 29th St, Hunters Point Rd, S 96th St, Sumac St, S State Hwy 45, N 33rd Cir$1,143
S U St, Pine Grove Ln, Elementary Loop, Fairway Hamlet Ct, S 11th, Santa Fe St, Carrington Way, Gary Ln, Webb Way, Stone Chase Dr$1,165
Chateau St, N 58th Terrace Dr, Chestnut Ct, N R St, S 25 St, N 12th St, Bardene St, G St S, Canterbury Cove, N Berry St$1,172
Dolan Way, N 9th St, Brooken Oaks, Mount Zineche Pl, S 22nd Ter, N 3rd St, S 66th St, Old Phoenix Ave, US Hwy 271, N 46th$1,123
Tilles Ave, I St S, E Ithaca St, Crimson Ave, Rector St, Wirsing Cir, S 51st Ct, Yantis St, Roulker Ct, Skye Rd$1,170
Old US 71 Hwy, Horan Dr, Amberwood Ct, Braemer Cir, Co Rd 480, Two Sisters Ct, Hunktown Rd S, Hannah Ct, S 48 St, Mitchell Rd$1,168

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,595 Homes (22% of total homes ) built between 1970 to 1979 in Fort Smith are paying home insurance between $1,799-$1,815. Places close to Fort Smith, AR such as Lon Norris, Arkoma(OK), Moffett(OK) are more expensive by $80, $498, $469 respectively while Upper and Barling are cheaper by $19 and $32 respectively for similar homes.
  • Bedrooms: 5,054 1 bedroom homes (13% of total homes ) in Fort Smith are paying about $877 in contrast with Lon Norris (+$51), Arkoma(OK) (+$214), Moffett(OK) (+$201), Barling (-$15) and Mont Sandels (-$3).
  • Auto Insurance Bundling: 4,340 Households (22% of all households) in Fort Smith have 3 or more vehicles available and when it is bundled with home insurance you can save $277. Discounts for similar bundling in close by locations such as Upper, Lon Norris, Arkoma (OK)come to $274, $289, $354 respectively.
  • Senior Discounts: 9,524 seniors (more than 55 years) occupied housing units (49% of total) in Fort Smith get discounts between $165 to $168. The comparative concessions in proximate regions such as Upper, Lon Norris and Arkoma(OK) are $164, $173 and $212 respectively.
  • New Homes discounts: New homes such as the 12,268 homes built between 2000 to 2009 in Fort Smith can save $221 and similar new home insurance discounts in nearby towns and cities like Upper, Lon Norris and Arkoma(OK) are $219, $231 and $283 respectively.

Fort Smith Homeowners insurance Facts

  • Fort Smith, AR has 19,088 owner occupied houses which is 56.1% of all units whereas Upper, Lon Norris and Arkoma have 53.81%, 72.28% and 69.95% respectively.
  • Fort Smith, AR homeowners yearly insurance price at $1,109 is 0.99% of the typical house value of $112,300 which is in contrast with 1.1% in Upper, 0.67% at Lon Norris & 1.97% in Arkoma.
  • Homeowners in Fort Smith, AR pay 8.87% of their income ($10,000 to $14,999) in insurance whereas homeowners in Upper, Lon Norris and Arkoma pay 8.78%, 9.27% and 11.33% respectively.
  • Fort Smith, AR’s insurance is 9.6% of monthly housing costs of $964/month, for owners with a mortgage compared to 10.21% in Upper, 7.49% at Lon Norris & 14.46% in Arkoma. But, for households without a mortgage, insurance is 27.3% of costs ($338 in Fort Smith, AR) in contrast with 27.56% in Upper, 24.96% at Lon Norris & 34.71% in Arkoma.

Fort Smith, AR Home Values & Insurance rates

For example, insurance for 1,227 Homes (6.0% of total homes ) valued between $175,000 to $199,999 in Fort Smith, AR is about $1,840. Rates in nearby areas in such as Lon Norris, Bass Little, Fort Chaffee are cheaper by $600, $141, $365 respectively while Upper and Arkoma are costlier by $224 and $1,841 respectively for similar homes.

Fort Smith, AR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,945 10.0% $243
$50,000 to $59,999 1,207 6.0% $510
$60,000 to $69,999 1,271 6.0% $632
$70,000 to $79,999 1,524 8.0% $731
$80,000 to $89,999 1,236 6.0% $831
$90,000 to $99,999 1,160 6.0% $931
$100,000 to $124,999 2,449 13.0% $1075
$125,000 to $149,999 1,939 10.0% $1352
$150,000 to $174,999 1,714 9.0% $1596
$175,000 to $199,999 1,227 6.0% $1840
$200,000 to $249,999 1,283 7.0% $2218
$250,000 to $299,999 798 4.0% $2717
$300,000 to $399,999 528 2.0% $3448

Renters Insurance in Fort Smith

  • Average Renters Insurance in Fort Smith :  $284($23/month)

  • Median Gross Rent in Fort Smith :  $605

  • Fort Smith Renters Insurance to Median Rent Ratio:  3.8%

  • Renter occupied housing units in Fort Smith :  14,953

Fort Smith Renters Insurance as a Percentage of Rent

Fort Smith Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 391 2.0% $371
$200 to $299 387 2.0% $821
$300 to $499 3,984 27.0% $1271
$500 to $749 5,287 36.0% $1946
$750 to $999 3,030 21.0% $2696
$1,000 to $1,499 965 6.0% $3821
$1,500 or more 350 2.0% $5471

Rent Affordability in Fort Smith:

Approximately 43.0% (6,439) of households are spending more than 35% of their income on gross rent in Fort Smith

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,937 12.0%
15.0 to 19.9 percent 1,724 11.0%
20.0 to 24.9 percent 1,570 10.0%
25.0 to 29.9 percent 1,916 12.0%
30.0 to 34.9 percent 1,367 9.0%
35.0 percent or more 6,439 43.0%

Fort Smith Renters Insurance Discounts:

Fort Smith Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Fort Smith, AR Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,015 53.0% $28.4
2 vehicles available 3,977 26.0% $42.6
3 or more vehicles available 635 4.0% $56.8

Protective device discount in Fort Smith Up to :  $42

Claims-free discount in Fort Smith Up to :  $56