Fort Smith Insurance Rates:

Fort Smith, AR homeowners insurance is about $941 to $1,277, about $78-$106/month. Our exhaustive analysis reveals consumers can save upto $443 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
The price is very competitive for my area. it is not the cheapest, but with the coverage i have, it is quite competitive with many large companies.
State Farm
State farm is the worst insurance company i have ever dealt with. i had an accident claim that i had to go back and forth with the company on 8 times because they kept making mistakes.
Alfa
They usually do not undercut us. if we do have to make a claim they usually pay us for what it is worth.

Fort Smith, AR Homeowners Insurance By Home Value

Fort Smith, AR Home Value Total Homes % of Total Average Fort Smith, AR 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

Top Home Insurance Agents Near Fort Smith, AR

Home Insurance Company Near Fort Smith, AR Homeowners Insurance Agency Near Fort Smith, AR Address
Liberty Mutual Independent Bhc Insurance 5500 EUPER LN, FORT SMITH, AR, 72903
Travelers Business Ins Consultants Inc 121 N 14TH ST, FORT SMITH, AR, 72901
Farmers Mark Martin 964 E Center St, Greenwood, AR, 72936
Farmers Sandy Gilkey 8405 S Zero St Ste B, Fort Smith, AR, 72903
Allstate Timothy Morrison 2711 Oak Ln Ste 1, Van Buren, AR, 72956

Cost Of Homeowners Insurance By Street Near Fort Smith, AR

Streets in Fort Smith Area Homeowners Insurance Cost
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

Fort Smith, AR Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fort Smith$165 to $168
Upper$164
Lon Norris$173
Arkoma$212

Fort Smith, AR Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Upper township, Sebastian County, Arkansas $137 $183 $274
Lon Norris township, Sebastian County, Arkansas $145 $193 $289
Arkoma CCD, Le Flore County, Oklahoma $177 $236 $354

Fort Smith, AR Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Fort Smith, AR9.6%27.3%
Upper10.21%27.56%
Lon Norris7.49%24.96%
Arkoma14.46%34.71%

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

Fort Smith, AR Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$3,100
Yearly Fort Smith Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $8,800$8,000
Net Savings to Fort Smith Home Owner from High Deductible Plan $800

Fort Smith, AR Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fort Smith, AR Home Replacement Value MORE than Home Value Fort Smith, AR Home Replacement Value LESS than Home Value
Replacement Value $95,000 $60,000
Insurance Premium based on Replacement Value $700 $450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,000 Risk Exposure from Under Insuring Coverage is $15,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $125/year

Example Fort Smith Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualGEICO Insurance
Monthly Premium 42136148
Year Built 196819982002
Home Details 2 Beds, 1 Baths5 Beds, 3 Baths4 Beds, 3 Baths
Coverage Amount $50000-$75000$175000-$200000$200000-$250000
Deductible $500 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Fort Smith, AR from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1969 145,000 Composition Roof 2,260 3 $1000-$2500 Deductible 1210 12 Stucco siding yes
1999 175,000 Shingles Roof 2,740 4 $2500-$5000 Deductible 470 4 Vinyl siding yes
1993 270,000 Tile Roof 3,260 5 > $10,000 Deductible 330 3 Fiber-Cement Siding yes
2007 130,000 Metal Roof 2,150 3 $500 Deductible 610 6 Fiber-Cement Siding yes
1999 195,000 Tile Roof 2,250 4 $500- $1000 Deductible 1620 9 Vinyl siding yes
1995 115,000 Slate Shingles Roof 1,830 3 $1000-$2500 Deductible 340 5 Stucco siding No
1998 140,000 Metal Roof 2,360 4 $2500-$5000 Deductible 650 7 Stone Siding yes
1962 215,000 Wood Shake Roof 3,320 5 $2500-$5000 Deductible 850 6 Wood siding No
1993 110,000 Asphalt Shingles Roof 1,350 2 $500 Deductible 760 8 Fiber-Cement Siding yes
1970 155,000 Wood Shake Roof 1,900 3 $1000-$2500 Deductible 820 8 Brick siding No
1984 185,000 Composition Roof 2,370 4 $500 Deductible 560 4 Stone Siding yes
1985 130,000 Membrane Roof 1,800 3 $500 Deductible 360 3 Vinyl siding No
1994 145,000 Asphalt Shingles Roof 1,910 3 $500 Deductible 1750 12 Brick siding yes
1991 45,000 Slate Shingles Roof 1,310 2 $1000-$2500 Deductible 110 2 Stucco siding yes