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.
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 |
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 |
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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Little Rock, AR | 7.4% | 21.9% |
| Big Rock | 7.51% | 22.83% |
| Cammack Village | 7.25% | 22.23% |
| Pulaski County | 7.66% | 24.06% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Little Rock | $170 to $173 |
| Big Rock | $170 |
| Cammack Village | $174 |
| Pulaski County | $169 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Liberty Mutual | Travelers | Allstate |
| Monthly Premium | 189 | 56 | 70 |
| Year Built | 1970 | 2008 | 1966 |
| Home Details | 5 Beds, 3 Baths | 2 Beds, 1 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $250000-$300000 | $75000-$100000 | $100000-$125000 |
| Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible |