Average homeowners insurance cost in Jonesboro, Arkansas

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In Jonesboro, homeowners pay an average annual rate of $4,276 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to our data. This is $1,694 more than the national average of $2,582 .

Homeowners insurance premiums can vary significantly from one property to another. In Jonesboro, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Jonesboro, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Jonesboro.

Key Takeaways

The average cost of homeowners insurance in Jonesboro is $4,276 per year.
Allstate is the cheapest homeowners insurance company in Jonesboro with an average annual premium of $2,762 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $1,057 more a year for home insurance.

Average homeowners insurance cost per month

Residents of Jonesboro pay an average of $356 per month for homeowners insurance. This is $27 more than the state average of $329 and $141 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Jonesboro can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

In Jonesboro, AR, homeowners pay an average of $3,219 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas, resulting in costlier insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house

Jonesboro residents pay an average of $4,276 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $1,057 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

Average homeowners insurance cost in Jonesboro by company

After comparing several homeowners insurance companies, Allstate offers the lowest rates in Jonesboro. Its average annual rate for homeowners in Jonesboro is $2,762 , while Farm Bureau Mutual Ins Co of AR is the second-cheapest.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Jonesboro and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Jonesboro and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$2,762
Farm Bureau Mutual Ins Co of AR	$3,023
State Farm	$3,023
Nationwide	$3,923
Auto-Owners	$5,082
Farmers	$6,176
Travelers	$9,594
Shelter Insurance	$4,277
USAA*	$2,857

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in Arkansas that can impact your home insurance

Living in Arkansas means facing the risk of natural disasters that can seriously damage your home and belongings. These events can lead to expensive repairs and major insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

Being aware of your local risks helps you choose the right level of protection, from setting appropriate coverage limits to deciding on deductibles or adding extra coverage. Taking the time to tailor your policy to those risks can help you avoid being underinsured and give you peace of mind if you’re impacted by a natural disaster.

Arkansas is commonly affected by Ice storm and Winter weather.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Jonesboro for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.