Hot Springs Insurance Rates:

Hot Springs, AR homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Amica Mutual Insurance
Amica is affordable, and they offer us multiple discounts, one of which is a discount for also carrying auto insurance with them.
State Farm
Insurance at this place is very expensive and it keeps going up for no apparent reason.
State Farm
My agent has taken a little longer than usual to get back to me regarding a few inquiries in the past. i think they should have an effective window for a response after contact has been made by the customer to keep things in time effective motion.

Hot Springs, AR Homeowners Insurance By Home Value

Hot Springs, AR Home Value Total Homes % of Total Average Hot Springs, AR 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

Top Home Insurance Agents Near Hot Springs, AR

Home Insurance Company Near Hot Springs, AR Homeowners Insurance Agency Near Hot Springs, AR Address
NA The Insurance Ladies, Llc 507 Oak Hill, Benton, AR, 72015
Farmers Charles Crone 1512 Macon Dr Ste 4, Little Rock, AR, 72211
Travelers Mark V Williamson Co Inc 1910 GRANT ST N, LITTLE ROCK, AR, 72207
State Farm Mike Hart 2024 Ar Vy Dr Ste 102, Little Rock, AR, 72212-4139
Farmers Steven Phillips 10515 W Markham St Ste J3, Little Rock, AR, 72205

Cost Of Homeowners Insurance By Street Near Hot Springs, AR

Streets in Hot Springs Area Homeowners Insurance Cost
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

Hot Springs, AR Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hot Springs$166 to $168
Lake Hamilton$172
Rockwell$174
Piney$160

Hot Springs, 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
Lake Hamilton township, Garland County, Arkansas $143 $191 $286
Rockwell CDP, Arkansas $145 $193 $290
Piney CDP, Arkansas $134 $179 $268

Hot Springs, 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
Hot Springs, AR9.5%27.8%
Lake Hamilton8.05%30.15%
Rockwell7.85%25.48%
Piney10.67%31.46%

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

Hot Springs, AR Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$5,800
Yearly Hot Springs Homeowner Insurance Premium Example $2,600$1,600
Out of Pocket Expense During Claim$1,800$5,800
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $14,800$13,800
Net Savings to Hot Springs Home Owner from High Deductible Plan $1,000

Hot Springs, AR Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hot Springs, AR Home Replacement Value MORE than Home Value Hot Springs, AR Home Replacement Value LESS than Home Value
Replacement Value $80,500 $62,000
Insurance Premium based on Replacement Value $775 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $11,000 Risk Exposure from Under Insuring Coverage is $7,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $100/year

Example Hot Springs Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceLiberty MutualGEICO Insurance
Monthly Premium 818499
Year Built 201119881974
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $100000-$125000$175000-$200000$125000-$150000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Hot Springs, AR from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1948 120,000 Membrane Roof 1,450 3 $1000-$2500 Deductible 760 8 Stucco siding yes
1993 270,000 Membrane Roof 3,300 4 $2500-$5000 Deductible 420 3 Vinyl siding No
1989 290,000 Composition Roof 3,310 4 $2500-$5000 Deductible 730 5 Stone Siding yes
1984 180,000 Composition Roof 2,350 3 $5000 to $10,000 Deductible 270 5 Stucco siding yes
1947 120,000 Asphalt Shingles Roof 1,640 2 $2500-$5000 Deductible 820 12 Brick siding yes
2010 190,000 Asphalt Shingles Roof 2,110 3 $500 Deductible 1280 9 Stone Siding No
1960 110,000 Composition Roof 1,350 2 $2500-$5000 Deductible 320 6 Stucco siding yes
1944 240,000 Wood Shake Roof 3,040 4 > $10,000 Deductible 770 9 Wood siding No
1989 100,000 Tile Roof 1,370 2 $500 Deductible 300 4 Stucco siding No
1977 125,000 Tile Roof 1,770 2 $2500-$5000 Deductible 270 3 Fiber-Cement Siding No
1941 270,000 Shingles Roof 2,890 4 > $10,000 Deductible 90 1 Wood siding yes
1965 75,000 Membrane Roof 1,010 2 $500- $1000 Deductible 290 6 Stucco siding yes
1989 180,000 Asphalt Shingles Roof 1,980 3 $500- $1000 Deductible 1010 8 Stone Siding yes
1949 235,000 Slate Shingles Roof 2,960 4 $5000 to $10,000 Deductible 470 4 Wood siding No
1996 105,000 Wood Shake Roof 1,350 3 $2500-$5000 Deductible 350 5 Stone Siding No
1983 215,000 Asphalt Shingles Roof 2,650 4 > $10,000 Deductible 200 2 Wood siding yes
1980 1,625,000 Membrane Roof 19,608 3 $500 Deductible 4450 6 Brick siding No