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.
| Home Insurance Company Near Fort Smith, AR | Homeowners Insurance Agency Near Fort Smith, AR | Address |
|---|---|---|
| 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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Fort Smith, AR | 9.6% | 27.3% |
| Upper | 10.21% | 27.56% |
| Lon Norris | 7.49% | 24.96% |
| Arkoma | 14.46% | 34.71% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Fort Smith | $165 to $168 |
| Upper | $164 |
| Lon Norris | $173 |
| Arkoma | $212 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,500 | $4,500 |
| Yearly Fort Smith Homeowner Insurance Premium Example | $2,300 | $1,700 |
| Out of Pocket Expense During Claim | $1,500 | $4,500 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $17,600 | $16,400 |
| Net Savings to Fort Smith Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Fort Smith, AR Home Replacement Value MORE than Home Value | Fort Smith, AR Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $100,000 | $64,000 |
| Insurance Premium based on Replacement Value | $800 | $500 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $14,000 | Risk Exposure from Under Insuring Coverage is $22,000 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $125/year |
| Insurance Company | GEICO Insurance | Nationwide Insurance | Amica Mutual Insurance Company |
| Monthly Premium | 87 | 52 | 154 |
| Year Built | 1976 | 1980 | 2009 |
| Home Details | 3 Beds, 2 Baths | 2 Beds, 1 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $150000-$175000 | $100000-$125000 | $200000-$250000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible |