Gavop's guide to buying homeowners insurance in Howard County, 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 | $25,500 | $20,000 | $0-$25,000 |
| 2 Bedroom | $55,000 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $106,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $97,500 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $214,500 | $200,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$155 | $661 |
| Superior Protection Discount | -$82 | $735 |
| Fire & Security Discount | -$65 | $751 |
| Hail Resistant Roof Discount | -$16 | $800 |
| Newly Constructed Home Discount | -$237 | $580 |
| 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 |
| Howard County | $2,000 | $807 | $2,807 | $586 | $2,586 | $220 |
| Howard County, AR | $2,000 | $807 | $2,807 | $586 | $2,586 | $220 |
| Sevier County, AR | $500 | $728 | $1,228 | $529 | $1,029 | $199 |
| Pike County, AR | $1,500 | $742 | $2,242 | $539 | $2,039 | $203 |
| Foreman, AR | $1,000 | $783 | $1,783 | $569 | $1,569 | $214 |
| Red Lick, TX | $1,500 | $1,807 | $3,307 | $1,313 | $2,813 | $494 |
| Hooks, TX | $100 | $995 | $1,095 | $723 | $823 | $272 |
| North McCurtain, OK | $1,000 | $998 | $1,998 | $725 | $1,725 | $273 |
| Gurdon, AR | $500 | $842 | $1,342 | $612 | $1,112 | $230 |
| Home Insurance Company Howard County, AR | Homeowners Insurance Agency Howard County, AR | Address | Popularity Score | Distance from Howard County (miles) |
|---|---|---|---|---|
| Allstate | Landmark Insurance | 691 Highway 27 Byp, Nashville, AR, 71852 | 13.6 | |
| State Farm | Heather H Doucet | 500 W Avenue D St, Hope, AR, 71801-3329 | 36.3 | |
| State Farm | Matt Thomas | 1311a Highway 71 N, Mena, AR, 71953-8447 | 37.0 | |
| State Farm | Mark Oubre | 4207 Jefferson Ave, Texarkana, AR, 71854-1513 | 42.7 | |
| Allstate | Rock Creek Insurance | 306 E Broadway, Glenwood, AR, 71943 | 30.4 | |
| State Farm | Jake Hambleton | 302 Arkansas Blvd, Texarkana, AR, 71854-1905 | 43.0 | |
| Allstate | Seal & Hodge Inc | 509a W Collin Raye Dr, De Queen, AR, 71832 | 20.3 | |
| State Farm | Rusty Hagler | 400 N Main St, Nashville, AR, 71852-2006 | 12.5 | |
| State Farm | George Davis | 410 Sherwood Ave Ste 1, Mena, AR, 71953-3369 | 37.2 | |
| Farmers | Christy Medlin | 900 Highway 71 N, Mena, AR, 71953 | 37.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Arkansas | $118,500 | $1,088 | $780 | $1,540 | $760 |
| Howard County, AR | $94,100 | $816 | $560 | $1,130 | $570 |
| Howard County, AR | $94,100 | $816 | $560 | $1,160 | $600 |
| Sevier County, AR | $75,400 | $737 | $500 | $1,010 | $510 |
| Pike County, AR | $78,600 | $751 | $550 | $1,070 | $520 |
| Foreman, AR | $59,400 | $793 | $530 | $1,130 | $600 |
| Red Lick, TX | $197,900 | $1,829 | $1,210 | $2,820 | $1,610 |
| Hooks, TX | $79,300 | $1,007 | $660 | $1,550 | $890 |
| North McCurtain, OK | $68,300 | $1,010 | $740 | $1,400 | $660 |
| Gurdon, AR | $70,500 | $852 | $600 | $1,220 | $620 |