Hot Springs Insurance Rates:

Hot Springs, AR home insurance is nearly $944 to $1,286, about $78-$107/month. Our all inclusive analysis reveals consumers can save upto $446 by comparing many quotes

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Hot Springs Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $770/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 3040 sqft Primary Residence Constructed In 1944 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $300/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1370 sqft Rental Property Constructed In 1989 with Linoleum, Tile Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 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 Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $270/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1770 sqft Rental Property Constructed In 1977 with Stone Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $90/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Baths 2890 sqft Vacation Property Constructed In 1941 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $290/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1010 sqft Primary Residence Constructed In 1965 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1010/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 1980 sqft Primary Residence Constructed In 1989 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Baths 2960 sqft Rental Property Constructed In 1949 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $350/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1350 sqft Seasonal Residence Constructed In 1996 with Stone Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $200/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 2650 sqft Vacation Property Constructed In 1983 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $4450/6 months for More than $1,000,000 Coverage
Policy Holder Home Details :

Home Value : $1,625,000

3 Beds, 3 Baths 19608 sqft Primary Residence Constructed In 1980 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Married Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Hot Springs, AR Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
71913 $134,500 $1,150

Hot Springs Rates & Quotes Analysis:

Hot Springs Area Estimated House Insurance
Qualls Ln, Winwood Ln, Viewpoint Dr, Grimmett Loop, Dakota Dr, Pawnee Dr, Long Beach Ter, Sargo Trl, Easy Ter, Silver$1,076
Woodberry St, Argomaniz Way, Clark St, Magellan Dr, Rebecca St, Bryant Rd, Wade St, Meredith Pl, Ricky Too Ln, Elice Cir$1,115
Clingstone Way, Moonriver Bay, Promise Land Dr, E St Louis St, Molly Springs Rd, Flag St, Marquette Pl, Little Oak Trl, Beulah Land Dr, Garens St$1,104
Wisteria Pl, Pecan St, Landmark Trl, Dot Cir, Westinghouse Dr, Channelview St, Black St, Jmc Ln, Sherwood Cir, Snug Harbor Cir$1,123
State Hwy 253, Phoenix Dr, Breezehill Rd, Rosewall St, Lakeland Dr, Trabecca Cir, Old Church Rd, Bobby, Baxter St, A D Ln$1,071
Oakcliff St, Willman Sq, N Ferry Rd, Fleet St, Marwinette Pl, Whistler St, Mazarro Pl, Chattanooga St, Steeplechase Ct, Goodeaux Rd$1,060
Holy Spirit Loop, Mark St, Hazelnut Pl, McNeely Cir, Summertime Bay, Redbird Pl, Canaria Way, Coleman Pl, Social Pl, Scrivner Ln$1,119
Lakeshore Ter, Cedarwood St, Leach St, Tanglewood Ct, McLeod St, Stays Ln, Palos Verdes Dr, Shady Vista St, Parallel St, Dowell Ln$1,127
Runyan St, Highrise Cir, Coca Bay Pt, San Mateo Dr, Alex Ln, Elgin Dr, Edds Rd, Joyce St, Cedarglade Rd, Patriot St$1,071
Hunter Dr, Locket Mountain Rd, Setter Xing, Pyron St, Potter St, Chapel St, Rosemary Dr, Bluebell Pl, Haymaker St, Parkland Rd$1,132

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,892 Homes (12% of total homes ) built between 1950 to 1959 in Hot Springs are paying home insurance between $2,095-$2,112. Places close to Hot Springs, AR such as Lake Hamilton, Rockwell, Garland County are more expensive by $64, $92, $20 respectively while Piney and Whittington are cheaper by $79 and $30 respectively for similar homes.
  • Bedrooms: 8,817 2 bedrooms homes (39% of total homes ) in Hot Springs are paying about $937. Areas near to Hot Springs such as Lake Hamilton, Rockwell, Hot Springs Village are costlier by $16, $28, $50 respectively whereas Piney and Whittington are more economical by $47, $24 respectively for similar homes.
  • Auto Insurance Bundling: 1,877 Households (18% of all households) in Hot Springs have 3 or more vehicles available and when it is bundled with home insurance you can save $278. Discounts for similar bundling in close by locations such as Lake Hamilton, Rockwell, Piney come to $286, $290, $268 respectively.
  • Senior Discounts: 6,587 seniors (more than 55 years) occupied housing units (64% of total) in Hot Springs get discounts between $166 to $168. The comparative concessions in proximate regions such as Lake Hamilton, Rockwell and Piney are $172, $174 and $160 respectively.
  • New Homes discounts: New homes such as the 7,917 homes built between 2000 to 2009 in Hot Springs can save $223 and similar new home insurance discounts in nearby towns and cities like Lake Hamilton, Rockwell and Piney are $229, $232 and $214 respectively.

Hot Springs Homeowners insurance Facts

  • Hot Springs, AR has 10,197 owner occupied houses which is 56.1% of all units whereas Lake Hamilton, Rockwell and Piney have 80.68%, 78.28% and 61.34% respectively.
  • Hot Springs, AR homeowners yearly insurance price at $1,115 is 0.93% of the typical house value of $119,600 which is in contrast with 0.72% in Lake Hamilton, 0.65% at Rockwell & 1.58% in Piney.
  • Homeowners in Hot Springs, AR pay 2.97% of their income ($35,000 to $39,999) in insurance whereas homeowners in Lake Hamilton, Rockwell and Piney pay 3.06%, 3.1% and 2.86% respectively.
  • Hot Springs, AR’s insurance is 9.5% of monthly housing costs of $975/month, for owners with a mortgage compared to 8.05% in Lake Hamilton, 7.85% at Rockwell & 10.67% in Piney. But, for households without a mortgage, insurance is 27.8% of costs ($334 in Hot Springs, AR) in contrast with 30.15% in Lake Hamilton, 25.48% at Rockwell & 31.46% in Piney.

Hot Springs, AR Home Values & Insurance rates

For example, insurance for 350 Homes (3.0% of total homes ) valued between $90,000 to $99,999 in Hot Springs, AR is about $880. Rates in nearby areas in such as Lake Hamilton, Rockwell, Garland County are cheaper by $204, $265, $71 respectively while Piney and Whittington are costlier by $620 and $153 respectively for similar homes.

Hot Springs, AR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,798 18.0% $223
$50,000 to $59,999 377 3.0% $479
$60,000 to $69,999 526 5.0% $602
$70,000 to $79,999 593 6.0% $691
$80,000 to $89,999 624 6.0% $791
$90,000 to $99,999 350 3.0% $880
$100,000 to $124,999 1,073 11.0% $1014
$125,000 to $149,999 1,395 14.0% $1271
$150,000 to $174,999 797 8.0% $1505
$175,000 to $199,999 465 4.0% $1739
$200,000 to $249,999 714 7.0% $2096
$250,000 to $299,999 395 4.0% $2564
$300,000 to $399,999 501 5.0% $3255

Renters Insurance in Hot Springs

  • Average Renters Insurance in Hot Springs :  $270($22/month)

  • Median Gross Rent in Hot Springs :  $682

  • Hot Springs Renters Insurance to Median Rent Ratio:  3.23%

  • Renter occupied housing units in Hot Springs :  7,976

Hot Springs Renters Insurance as a Percentage of Rent

Hot Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 285 3.0% $367
$200 to $299 450 6.0% $817
$300 to $499 1,203 16.0% $1267
$500 to $749 2,642 36.0% $1942
$750 to $999 1,575 21.0% $2692
$1,000 to $1,499 825 11.0% $3817
$1,500 or more 299 4.0% $5467

Protective device discount in Hot Springs Up to :  $40

Claims-free discount in Hot Springs Up to :  $54