Gavop's guide to buying homeowners insurance in Lake Hamilton, AR covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $56,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $134,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $121,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $195,500 | $170,000 | $150,000-$175,000 |
| 5 Bedroom | $380,500 | $310,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$184 | $786 |
| Superior Protection Discount | -$87 | $882 |
| Fire & Security Discount | -$97 | $873 |
| Hail Resistant Roof Discount | -$29 | $941 |
| Newly Constructed Home Discount | -$262 | $708 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Garland County | $1,000 | $1,054 | $2,054 | $766 | $1,766 | $288 |
| Lake Hamilton, AR | $2,000 | $958 | $2,958 | $696 | $2,696 | $262 |
| De Roche, AR | $300 | $966 | $1,266 | $702 | $1,002 | $264 |
| Montgomery, AR | $1,000 | $1,087 | $2,087 | $790 | $1,790 | $297 |
| Marble, AR | $300 | $1,621 | $1,921 | $1,178 | $1,478 | $443 |
| Poyen, AR | $300 | $757 | $1,057 | $550 | $850 | $207 |
| Haskell, AR | $1,000 | $1,089 | $2,089 | $791 | $1,791 | $298 |
| Gurdon, AR | $200 | $842 | $1,042 | $612 | $812 | $230 |
| Sheridan, AR | $2,500 | $1,176 | $3,676 | $854 | $3,354 | $321 |
| Oppelo, AR | $100 | $928 | $1,028 | $674 | $774 | $254 |
| Home Insurance Company Lake Hamilton, AR | Homeowners Insurance Agency Lake Hamilton, AR | Address | Popularity Score | Distance from Lake Hamilton (miles) |
|---|---|---|---|---|
| Travelers | Mcghee Insurance Agency | 13000 Chenal Pkwy Ste 110, Little Rock, AR, 72211 | 44.1 | |
| Allstate | Matt Black | 201 Commerce Dr, Maumelle, AR, 72113 | 48.9 | |
| State Farm | Heather Powell | 4332 Central Ave Ste A, Hot Springs, AR, 71913-7437 | 1.6 | |
| Nationwide | Trusty Insurance Agency Inc. | 601 W Grand, Hot Springs, AR, 71901 | 5.1 | |
| State Farm | Ike Eisenhauer | 4705 N Highway 7, Hot Springs Village, AR, 71909 | 15.6 | |
| State Farm | Dennia Beard | 1408 Military Rd, Benton, AR, 72015-2913 | 30.8 | |
| Farmers | Shanon Moody | 2901 Park Ave, Hot Springs, AR, 71901 | 9.7 | |
| State Farm | Larry Otwell | 805 W Grand Ave, Hot Springs, AR, 71913-3528 | 5.0 | |
| Travelers | First Arkansas Insurance | 175 Harmony Park Cir Ste B, Hot Springs, AR, 71913 | 2.5 | |
| State Farm | Kendall Hancock | 2836 Malvern Ave Ste B, Hot Springs, AR, 71901-8363 | 5.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Arkansas | $118,500 | $1,088 | $750 | $1,500 | $750 |
| Garland County, AR | $131,500 | $1,067 | $710 | $1,480 | $770 |
| Lake Hamilton, AR | $183,500 | $970 | $710 | $1,340 | $630 |
| De Roche, AR | $95,400 | $978 | $670 | $1,340 | $670 |
| Montgomery, AR | $121,100 | $1,100 | $790 | $1,530 | $740 |
| Marble, AR | $259,300 | $1,641 | $1,100 | $2,350 | $1,250 |
| Poyen, AR | $54,500 | $766 | $560 | $1,090 | $530 |
| Haskell, AR | $121,600 | $1,102 | $790 | $1,530 | $740 |
| Gurdon, AR | $70,500 | $852 | $590 | $1,170 | $580 |
| Sheridan, AR | $141,400 | $1,190 | $810 | $1,700 | $890 |
| Oppelo, AR | $87,500 | $939 | $680 | $1,300 | $620 |