Little Rock Insurance Rates:

Little Rock ,AR Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Little Rock, AR homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Little Rock, AR is $2049. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Little Rock, AR: Customer-Reviewed Options

 

Little Rock, AR Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Little Rock, AR. VHome Insurance will help you navigate the world of homeowners insurance coverages in Little Rock, AR.

Coverage Level Average Annual Premium
$100,000 $820
$200,000 $1,393
$300,000 $1,721
$400,000 $2,623
$500,000 $3,299

 

Little Rock, AR Homeowners Insurance Rates by ZIP Code

Home insurance costs in Little Rock can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
072204 $2,550
72206 $2,563
72209 $2,513
72223 $3,048
72201 $2,995
72212 $2,885
72207 $3,012
72227 $2,754
72211 $2,768
72210 $2,710
72205 $2,693
72202 $2,693

 

Little Rock, AR Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Little Rock, AR, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,101
$1000 Deductible $1,879
$1500 Deductible $1,772
$2500 Deductible $1,598
$5000 Deductible $1,352

 

 


Top Home Insurance Agents Near Little Rock, AR

Home Insurance Company Near Little Rock, AR Homeowners Insurance Agency Near Little Rock, AR Address
NA 1st Network Insurance, Inc. 1018 Airport Rd, Ste. 126 Hot Springs, Hot Springs, AR, 71913
State Farm Joe Groover 1415 W Moline St, Malvern, AR, 72104-2612
Travelers Jts Financial Services Llc 415 N. Mckinley 415 N. Mckinley Little Rock, Little Rock, AR, 72205
Travelers Roberson & Associates Insurance 315 N Market St, Benton, AR, 72015
Farmers Ronald Knight 7816 Jfk, Sherwood, AR, 72120

Little Rock, AR Home Insurance Agents for Top Companies

 

Little Rock, 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
Big Rock township, Pulaski County, Arkansas $170 $227 $341
Cammack Village city, Arkansas $175 $233 $350
Pulaski County, Arkansas $170 $226 $339

 


Little Rock, 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
Little Rock, AR7.4%21.9%
Big Rock7.51%22.83%
Cammack Village7.25%22.23%
Pulaski County7.66%24.06%

Little Rock Renters Insurance as a Percentage of Rent

Little Rock Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 553 1.0% $354
$200 to $299 907 2.0% $804
$300 to $499 2,956 8.0% $1254
$500 to $749 11,668 35.0% $1929
$750 to $999 10,462 31.0% $2679
$1,000 to $1,499 5,521 16.0% $3804
$1,500 or more 1,257 3.0% $5454

Cost Of Homeowners Insurance By Street Near Little Rock, AR

Streets in Little Rock Area Homeowners Insurance Cost
Lambert Rd, Curtis Cove, Roxbury Dr, Bryn Mawr Dr, Grimmett Ln, Hines, Sheffield Dr, Glouchester Dr, Dellwood Cir, Warner Ln$1,075
Atwood Rd, Bienville Ct, Shady Oak Ln, Godwin Dr, Odonnell Ct, Foxcroft Rd, Johnnycake Ln, New Horizon Ln, S McKinley St, College St$1,267
Vinewood Ln, Torey Pine Ct, Cunningham Lake Rd, Tedburn Cir, London Cir, Dee Dee Cir, Madison St, Unity Ln, Hinkson Rd, Labette Dr$1,071
Pecan Lake Rd, Centerwood Rd, Two Towers Rd, Sezanne Cv, Bennie Barnes Rd, N Taylor St, N Grant St, Burnside Dr, Westward Rd, Westbury Dr$1,307
Iris St, Stonecreek Ct, Timberland Dr, Don Dr, Normandy Dr, Beckenham Cove, Co Rd 32, Arbor Cove, Alvin Ct, Woodside Ln$1,151
Deer Park Dr, Perennial Dr, Hartford St, Gelan Ct, Pleasant Forest Dr, Summit Ridge Dr, Heinke Rd, S Barton St, Partridge Ct, Potter St$1,298
N Summit St, Godiva Ln, Longfellow Pl, Cochrane St, S Wilson Rd, Covenant Dr, Colony Rd, Longwood Rd, Pinehurst Cir, Co Rd 73$1,095
Woodstock Ct, W 60th St, Hillwood Rd, Freeway Dr, Suffolk Dr, Cherokee Cir, Shiloh Dr, Woodlane Dr, Preston Dr, Ben Crenshaw Cv$1,088
Dee Ct, Wagon Cir, E Mellwood Rd, Witness Oak Way, Goldleaf Dr, Hosie Ln, Brookview Cir, Old Forge Dr, Saint George Ct, Brownwood Rd$1,145
Carriage Creek Dr, Iowa Dr, Toombs Rd, Pinewood Loop, Saint Charles Ct, Claiborne Cir, Helm St, Hickorynut Ct, Co Rd 31, Bishop St$1,083

Little Rock, AR Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Little Rock$170 to $173
Big Rock$170
Cammack Village$174
Pulaski County$169

Little Rock, AR Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$4,000
Yearly Little Rock Homeowner Insurance Premium Example $2,000$1,400
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,000$13,800
Net Savings to Little Rock Home Owner from High Deductible Plan $1,200

 


Little Rock, AR Home Insurance Costs With Home Replacement Value Scenarios

Scenario Little Rock, AR Home Replacement Value MORE than Home Value Little Rock, AR Home Replacement Value LESS than Home Value
Replacement Value $285,000 $184,000
Insurance Premium based on Replacement Value $2,325 $1,500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $46,000 Risk Exposure from Under Insuring Coverage is $55,000
Premium Impact Insurance cheaper by $450/year Insurance costlier by $375/year

 


Example Little Rock Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualTravelersAllstate
Monthly Premium 1895670
Year Built 197020081966
Home Details 5 Beds, 3 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $250000-$300000$75000-$100000$100000-$125000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$2500-$5000 Deductible