Springdale, AR Home Insurance - Analysis On Quotes, Rates & Agents

Springdale, AR Insurance Rates:

Homeowners need to compare different quotes to find the best home insurer suitable for their needs. The following analysis by vHome Insurance in Springdale, AR helps consumers in making better choices. Enter your Zip Code in the banner below to get home insurance quotes. vHome Insurance undertook a detailed analysis of the cost of insurance inSpringdale, AR.

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Average Home Insurance Premium in Springdale, AR

National Average Premium State Average Premium Springdale Average Premium
$1,438 $1,088 $1,196

Top Home Insurance Companies in Springdale, AR | Back to Top

It is essential to find home insurers that provide the best insurance quotes. vHomeInsurance has rounded up the top home insurance companies in Springdale, AR.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Shelter $1,246 $1,496 $1,944 $2,683
State Farm $2,562 $3,074 $3,997 $5,515
Aaa $2,354 $2,825 $3,672 $5,068
Farm Bureau $1,885 $2,262 $2,940 $4,057

Springdale, AR Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 919.65
$150,000 To $174,999 1,303.33
$175,000 To $199,999 1,432.38
$200,000 To $249,999 1,834.57
$250,000 To $299,999 2,628.79
$300,000 To $399,999 3,270.75
$400,000 To $499,999 4,145.3
$500,000 To $749,999 5,305.99
$750,000 To $999,999 6,135.05
$1000,000 To $1499,999 6,756.84
$1500,000 To $2000,000 7,254.28

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

Top Home Insurance Agents Near Springdale, AR | Back to Top

Home Insurance Company Near Springdale, AR Homeowners Insurance Agency Near Springdale, AR Address
Allstate Ambur Davis 3729 N Crossover Rd Ste 105, Fayetteville, AR, 72703
Travelers Armstrong Hailey Ins 3887 N Crossover Rd, Fayetteville, AR, 72703
Allstate Corey Davidson 1803 W Olive St, Rogers, AR, 72756
Travelers Mcnair & Associates 104 N EAST AVE SUITE C, FAYETTEVILLE, AR, 72701
Liberty Mutual Independent Regions Insurance 1465 E JOYCE BLVD STE 205, FAYETTEVILLE, AR, 72703

List of Springdale, AR Home Insurance Agents by Companies

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

Springdale, AR homeowners who have no previous history of filing for claims are eligible for a discount of $167.44. Springdale, AR homeowners who have filed one claim previously have to pay an additional home insurance premium of $84, while homeowners who have filed 2 claims previously have to pay an additional $155 on their home insurance rate.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -167 1,029
One Claim +84 1,280
Two Claim +155 1,351

Springdale, AR Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
72762 157,200 1,136

Factors Affecting Home Insurance Premiums in Springdale, AR

The average home insurance premium in Springdale, AR is $1196. There are multiple factors that affect home insurance rates in Springdale, AR. vHome Insurance lists the factors that could help homeowners in Springdale, AR reduce their homeowners insurance rates.

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

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,039
3 Bedroom 1,633
4 Bedroom 2,375
5 Bedroom 2,523

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

Homeowners in Springdale, AR who pay a low deductible of $500 pay a higher rate on their home insurance premium, while Springdale, AR homeowners who pay a deductible rate as high as $2500 pay a lower rate on their home insurance premium, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,182
$1000 Deductible 1,069
$1500 Deductible 1,006
$2000 Deductible 914
$2500 Deductible 859

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

Homeowners in Springdale, 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 885
Year 30 Old 1,214
Year 40 Old 1,227
Year 50 Old 1,241
Above Year 50 1,253

Springdale, 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 144 1,052
Masonry 60 1,136
Brick 60 1,136
Superior 108 1,088
Hail Resistant Roof 24 1,172

Top Saving Tips on Springdale, AR Homeowners Insurance | Back to Top

Home insurance companies tend to provide discounts to homeowners based on the construction type of the home. Springdale, AR homes that are resistant to damage attract more discounts from home insurers. Springdale, AR homeowners who have bundled their auto insurance and home insurance policies pay lower home insurance premiums. Senior citizens also receive additional discounts from home insurers, in addition to standard discounts. Springdale, AR homes equipped with safety devices earn substantial discounts, as they are less prone to burglaries.

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

Springdale, AR Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 215 981
Retiree Discount (Senior Citizen Discount) 167 1,363
Newly Constructed Home 311 885

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

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 120 1,076
Fire Extinguishers 96 1,100
Smoke Detectors 132 1,064
Sprinkler System 108 1,088
Fire Alarm 72 1,124
Burglar Alarm 108 1,088
Lightning Protection 48 1,148

Latest Home Insurance Reviews

State Farm
I would recommend this insurance company. They are comparable regarding coverage and limitations. They have fast payment claims turn around.
I have had no trouble with them. It was easy to set it up and they have followed up a few times. That said I have yet needed to use the insurance even though I am paying for it.
State Farm
I really like State Farm because they have always been very nice and courteous. Whenever I show up to their office to pay a bill, they make me feel right at home.
State Farm
They rates were half the price of all the others that I contacted for the same, if not better, coverage.
I am probably paying too much for fewer offerings because as I mentioned I have kept the same policy for years and have not done a lot of shopping around for alternatives.
My premium and deductible is slightly higher than others I looked at, but we chose it because it is the same as our car insurance and it seemed convenient to have it through the same company.
What i like about allstate insurance was that they have been in business for many years and have a solid background.
I like the price point of my home insurance and the amount of coverage get for the amount of money.
As shown by my last answer I really don't have a lot of dislikes to speak of about the company, everything has been smooth and steady so far.
I'd like it to be a little lower, but I'm satisfied with the coverage I have considering.
Liberty Mutual
Their online payment service needs some work. It is cumbersome to get around the website and make the payments online. They still charge a service fee even if you do automatic EFT payments.
State Farm
The best part of the State farm app is the easy access to the different sections. When I go to the app to pay my bill you can just open the app and just pay. Know having to go deep into the app to pay.
I would recommend them because they don't have age restrictions on roofs and the deductibles they offer for my area are lower than average.