Little Rock, AR Home Insurance - Analysis On Quotes, Rates & Agents

Little Rock, AR Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Little Rock, AR. The average cost of insurance in Little Rock, AR is $1269. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Little Rock, AR

National Average Premium State Average Premium Little Rock Average Premium
$1,438 $1,088 $1,269

Top Home Insurance Companies in Little Rock, AR | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Little Rock, AR.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Farm Bureau $1,263 $1,515 $1,970 $2,719
Aaa $2,466 $2,959 $3,847 $5,309
State Farm $2,445 $2,935 $3,815 $5,265
Travelers $2,451 $2,941 $3,823 $5,276

Little Rock, AR Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 721.78
$150,000 To $174,999 1,256.48
$175,000 To $199,999 1,327.89
$200,000 To $249,999 1,518.6
$250,000 To $299,999 2,319.83
$300,000 To $399,999 3,207.14
$400,000 To $499,999 3,888.74
$500,000 To $749,999 4,977.59
$750,000 To $999,999 5,755.34
$1000,000 To $1499,999 6,338.65
$1500,000 To $2000,000 6,805.3

Visual Guide for Little Rock, AR Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Little Rock, AR | Back to Top

Home Insurance Company Near Little Rock, AR Homeowners Insurance Agency Near Little Rock, AR Address
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

List of Little Rock, AR Home Insurance Agents by Companies


Little Rock, AR Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $177.66 on the home insurance premium is offered to Little Rock, AR homeowners who have no previous history of claims filed, Little Rock, AR homeowners with one claim have to file an additional home insurance rate of $114, while Little Rock, AR homeowners with 2 claims have to pay $165 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -178 1,091
One Claim +114 1,383
Two Claim +165 1,434


Little Rock, AR Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
72204 86,200 1,180
72206 85,700 1,206
72209 77,100 1,285
72223 330,600 1,287
72201 310,400 1,285
72212 258,100 1,284
72207 248,500 1,287
72227 182,700 1,180
72211 176,000 1,199
72210 162,400 1,199
72205 156,200 1,180
72202 122,800 1,231

Factors Affecting Home Insurance Premiums in Little Rock, AR

Little Rock, AR homeowners pay an average home insurance premium of $1269. Homeowners in Little Rock, AR can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Little Rock, AR Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,065
3 Bedroom 1,141
4 Bedroom 2,434
5 Bedroom 3,422

Little Rock, AR Home Insurance Premiums for Different Deductibles | Back to Top

Little Rock, AR Homeowners with a deductible of $500 pay a higher amount for home insurance, while Little Rock, AR homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,254
$1000 Deductible 1,134
$1500 Deductible 1,068
$2000 Deductible 969
$2500 Deductible 911

Little Rock, AR Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Little Rock, AR pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 939
Year 30 Old 1,288
Year 40 Old 1,302
Year 50 Old 1,317
Above Year 50 1,330

Little Rock, AR Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 178 1,091
Masonry 63 1,206
Brick 63 1,206
Superior 114 1,155
Hail Resistant Roof 25 1,244

Top Saving Tips on Little Rock, AR Homeowners Insurance | Back to Top

Little Rock, AR Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Little Rock, AR Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Little Rock, AR homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Little Rock, AR homeowners can take advantage of to increase their savings.

Little Rock, AR Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 203 1,066
Retiree Discount (Senior Citizen Discount) 178 1,447
Newly Constructed Home 330 939

Little Rock, AR Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 102 1,167
Fire Extinguishers 102 1,167
Smoke Detectors 165 1,104
Sprinkler System 127 1,142
Fire Alarm 63 1,206
Burglar Alarm 114 1,155
Lightning Protection 38 1,231

Latest Home Insurance Reviews

State Farm
I would highly recommend State Farm to anyone. Their policies are highly affordable, and the customer service department is always willing to work you.
Aaa
The extra monthly payments could seem like a waste of money if someone feels these accidents wouldn't occur at their home
Farmer's Insurance
I have never had a problem with this company and any time I need to speak with them they are incredibly helpful and kind.
State Farm
We have State Farm Insurance as our home insurance.Their customer service when I needed them was fantastic. I feel very confident that if we needed to also use them for our home insurance, we would be satisfied with them.
Nationwide
The deductible for my home insurance could be a little bit lower than what it is right now, but my family does not need a very low deductiable as our home is fairly new. The premium is great and everything that we need.
Allstate
It does offer insurance policies in an area that is known to have high winds, hail, tornadoes & other extreme weather. There aren't a lot to choose from, at least when I got my insurance.
Liberty Mutual
I needed renters insurance and got it with Liberty Mutual. I really haven't tried others in years so it's tough to judge. But I'd say there all about the same.
Aaa
I have not done any comparison shopping since I took out the policy I have now. I might be able to get a better rate somewhere else, but I don't know. I feel loyalty to this company since they covered me when no one else would.
Allstate
It is really good and they are taking care of the customers with a great deal. It is really good to pay amount there in this home insurance company.
Progressive
I WOULD SAY THAT MY EXPERIENCE HAS OVERALL BEEN GOOD, I REALLY HAVEN'T HAD TOO MANY PROBLEMS WITH IT THEY SEEM TO BE A PRETTY GOOD COMPANY AND THE PRICE IS PRETTY REASONABLE.
Aaa
Everything is covered. total coverage makes me feel safe when i'm away from home for a long period of time.
State Farm
One thing that i don't like about my state farm insurance is the cost. i think that they charge higher premiums than other comparable home insurance companies for the same coverage and service.
Liberty Mutual
I like the fact that they offer replacement coverage versus basing compensation on an assessment of worth. this means i will be able to fully replace anything that might be destroyed should god forbid something to happen.
Liberty Mutual
Liberty Mutual has a variety of policies to choose from and they're all designed to meet the needs of the individual homeowner.
State Farm
I don't really have anything bad to say about state farm at this time. I feel as though this company is trustworthy
State Farm
Fast response from the staff at our agents office; everybody is very friendly and answers all of our questions honestly and completely.
Progressive
The customer service representative was friendly and engaged with me as a customer. Seemed to really care about my insurance needs.
State Farm
It can be tough to get in touch with someone once you call them but once you do get in touch with someone, they are very helpful and professional
Allstate
I compared Allstate to Liberty Mutual and it was about half the cost. The agent went line by line through my policy and coverage.
Allstate
I am not really sure what a good premium would be. I do not want a higher deductible at all. Not willing to sacrifice that for a lower premium.
State Farm
Overall this is not a company I would want to choose for myself in the future. I would rather go with someone who is a little bit more for the customer
Progressive
Overall, I dislike the high deductibles. I think that is something that is commonplace in the insurance industry, and it is typical for every homeowner to experience.
Progressive
Well, it's good enough to make my routine more easier, i don't have to complicate my time making claiming without reasons.
Alfa Insurance
Only been with them for a year but the initial setup went smooth and all my dealings with them have been great. Now working on the second year and they sent new policy out on time and to my mortgage company without an issue.
State Farm
They offer a good bundle rate with the rest of my insurance that I did not see with other companies. This is the main reason I selected them.
Amica Mutual Insurance
Amica has very reasonable premiums. I was able to get a lower premium yet still have the same coverage as my previous insurer offered. They have several different deductibles to choose from.
State Farm
Good service and good rates, especially given that we bundle. If we were dissatisfied, we would have switched by now.
Progressive
The website is really buggy. I do not like the interface. This can be really improved both Visually and Technically.