Arkansas Homeowners Insurance

Here you will be able to see the companies that offer the lowest rates on Homeowners Insurance in Arkansas.

Who has the Best Arkansas Homeowners Insurance Rates?

Here you will be able to see the companies that offer the lowest rates on Homeowners Insurance in Arkansas.

However, it is good to keep in mind that even though certain companies, such as Progressive, are ranking lower on the list, insurance rates vary tremendously from person to person. So while MetLife is ranking high, you might find that their rates for YOU are higher than average!

It is best to compare multiple quotes with as many companies as you can. It is the only way to make sure you are not overpaying on your Arkansas homeowners insurance.

Homeowners Insurance Co.Rank
MetLife Inc.1
Hartford2
American International3
Nationwide4
American Family5
USAA6
Progressive7
Farmers Insurance8
Chubb9
H

What is the cheapest insurance company for homeowners?

When searching for Arkansas Homeowners Insurance, it’s essential to find the most affordable option without sacrificing coverage. Among the insurance companies we work with, rates for homeowners insurance in Arkansas can vary based on factors like your home’s location, size, construction type, and coverage needs. However, based on recent comparisons, Allstate and State Farm tend to offer competitive rates for homeowners insurance in Arkansas. By obtaining quotes from multiple insurers and comparing their coverage options and premiums, you can find the best policy that meets your budget and protects your home adequately.

List of Factors Affecting Homeowners Insurance Rates:

  • Home’s location
  • Home’s size and construction type
  • Coverage needs
  • Insurance company policies and discounts

Here’s a simplified comparison of average annual premiums for homeowners insurance across different insurance providers:

Insurance CompanyAverage Annual Premium
Allstate$1,000 – $1,500
State Farm$900 – $1,400
Progressive$1,200 – $1,800

Arkansas Homeowners Insurance- Cheapest Homeowners rates

When buying a home, it’s best to compare different cities and their Arkansas homeowners insurance rates because rates vary per zip code. By doing so you’ll know you’re getting the best deal and, more importantly, value for your property.

Why do insurance prices vary for each city?

Factors such as high wind areas, flood areas, natural disasters, and the distance you are from the nearest fire department, can all signal how much of a risk you are to the underwriting department in each insurance company.

In high wind areas, this tends to leave homeowners with damages to their roofs, resulting in a higher amount of insurance claims.

The distance you are from a fire department or if you are in a high fire score area will also be a factor used to determine your home insurance premiums. The further from a fire department, or if you are in a high brush score area, the more the cost for insurance may be.

City in ArkansasBest Homeowners Insurance Company
MaumelleProgressive (ASI)
Helena-West HelenaProgressive (ASI)
BryantProgressive (ASI)
De QueenChub
GreenbrierChub
ClarksvilleTravelers
NewportChub
SherwoodTravelers
Fort SmithFarmers
SearcyAmica
StuttgartAllstate
RogersTravelers
CabotProgressive (ASI)
MenaUSAA
Heber Springs and FarmingtonFarmers
TexarkanaFarmers
Siloam SpringsUSAA
BerryvilleProgressive (ASI)
ConwayUSAA
WynneProgressive (ASI)
RockwellProgressive
JonesboroFarmers
Hot Springs VillageAllstate
North Little RockProgressive
TrumannLiberty Mutual
MagnoliaLiberty Mutual
HopeFarmers
White HallState Farm
CamdenAmerican Family
Pea RidgeLiberty Mutual
GreenwoodProgressive
BatesvilleLiberty Mutual
LowellAmerican Family
Hot SpringsNationWide
Little RockFarmers
ViloniaAmerican Family
CrossettProgressive (ASI)
Forrest CityFarmers
ParagouldLiberty Mutual
El DoradoTravelers
MorriltonTravelers
Van BurenTravelers
BeebeNationWide
GibsonTravelers
CentertonTravelers
BentonProgressive (ASI)
SpringdaleLiberty Mutual
MonticelloProgressive
Walnut RidgeAmerican Family
Mountain HomeAmerican Family
PocahontasLiberty Mutual
East EndProgressive (ASI)
BlythevilleState Farm
Cherokee VillageChub
RussellvilleState Farm
WardProgressive
West MemphisTravelers
HaskellProgressive (ASI)
BentonvilleNationWide
MalvernTravelers
BarlingFarmers
DardanelleAllstate
Arkansas Homeowners Insurance Seekers: Have you tried the best insurance company for your city?

Important to Know: RCV vs. ACV and What It Means

The Best Bundling Options for Your Arkansas Homeowners Insurance

When considering bundling your insurance policies, It is always best to compare different insurers and their options. Some may not offer to bundle but a lot of insurance companies will, and with that, a discount on your insurance will follow.

You can bundle just about any product to save money on your insurance policies. Just purchased an RV or Motorhome? We can bundle that with your homeowner’s insurance. Own a vehicle or a motorcycle? Let’s bundle that up too!

By bundling, you will save money on each insurance policy which will lead to hundreds of dollars you can save throughout the year.

Arkansas Homeowners Insurance Bundling Options
Life
Health
RV
ATV
Boat
Umbrella
Auto
Motorcycle
Business
Arkansas Homeowners Insurance can be much more affordable if you bundle it with the right product.

Arkansas Homeowners Insurance- Discounts available

Who doesn’t love a good discount?! You may qualify for one or even multiple discounts when you’re a homeowner.

Some easy discounts to qualify for are a bundling discount, EFT (which means you elect to set up reoccurring payments using a routing and account number, and the Pay In Full discount which is paying the entire premium upfront. These discounts can save you a lot of money over your insurance term.

The easiest discount to qualify for is PAPERLESS! A shocking amount of people are still not utilizing this discount, but as long as you have a valid email address, you qualify. It saves a nice chunk on your premium too.

Other discounts available are home features, such as having a smoke detector, a home monitor system, and auto water shutoff/leak detection. All of these safety features could help prevent a fire or flood.

Make sure to seek out other discount options from different insurers. We have a list below of discount options.

Arkansas Homeowners Insurance Discount Opportunities!
Upgraded plumbing
EFT
Upgraded Wiring
Smoke detector (monitored)
Home monitoring / Burglar
Non-smoking discount
Upgraded roof
Bundling Multiple Policies
Auto water shut-off or leak detection
Paid in full

Arkansas Homeowners Insurance Rating factors

There can be many different factors that affect homeowner’s rates. Where you live, your credit history, your home’s age and condition, or even the price of your home and the cost to rebuild.

Many Insurance companies will not insure a home with a trampoline, unfenced pool, or restricted dog breed.

Some companies have exclusion waivers for these scenarios, but many consider that too high of a liability to insure.

The number of claims and types of claims you have had in the past will also be used to determine eligibility. If a customer has had 5 theft claims in the past 2 years, that is a red flag for insurance companies, and you may be denied a policy.

A few more factors are listed below.

Homeowners Insurance Rating Factors
Home liability limits
Deductible
Claims
Insurance score
Swimming pool or hot tub
Location
Wood-burning stoves
Protection Class Proximity to a fire station
Home-based business
Dog breed
Roof condition
Credit history
Marital status
Upgrades to Wiring plumbing

Average Cost for Arkansas Homeowners Insurance

The average cost of Homeowners Insurance is just $77 above the national average.

With that said, It’s always best to compare as many insurance quotes as possible before acquiring insurance for your home.

There are several companies to choose from when searching for homeowners insurance. Many companies have different discounts they offer, and different coverages available. This is why it is important to get several insurance quotes before purchasing to make sure you are getting the coverage you need, for the right price. We can help you shop multiple insurance companies to save you time and hassle!

City in ArkansasAverage Annual Cost
Hope$1,359.00
Haskell$1,287.00
White Hall$1,417.00
Springdale$1,252.00
Rockwell$1,355.00
Hot Springs$1,233.00
Monticello$1,386.00
Crossett$1,203.00
Gibson$1,281.00
Piney$1,150.00
Sheridan$1,416.00
Greenbrier$1,321.00
Camden$1,104.00
Beebe$1,200.00
Greenwood$1,329.00
West Memphis$1,364.00
Paragould$1,156.00
Jonesboro$1,203.00
Bentonville$1,192.00
Helena-West Helena$1,331.00
Fayetteville$1,348.00
Marion$1,382.00
Morrilton$1,321.00
Pine Bluff$1,390.00
Rogers$1,103.00
El Dorado$1,339.00
Ward$1,355.00
Heber Springs and Farmington$1,241.00
Trumann$1,404.00
Newport$1,335.00
Berryville$1,126.00
Harrison$1,303.00
Bryant$1,128.00
Hot Springs Village$1,347.00
Cabot$1,413.00
Blytheville$1,341.00
Batesville$1,412.00
Dardanelle$1,342.00
Pocahontas$1,333.00
East End$1,185.00
Conway$1,317.00
Malvern$1,269.00
Mountain Home$1,257.00
Mena$1,234.00
Sherwood$1,154.00
Prairie Grove$1,288.00
Magnolia$1,127.00

AM BEST Company Ratings for Arkansas Homeowners Insurance Companies

AM Best ratings mean a lot for an insurance company. They are the largest credit rating agency in the world, and a good score from them means that the company is reliable in its ability to pay claims and meet its financial obligations.

When looking for the best insurance for your home, It’s best to shop around, compare different insurance companies and take your time. You want to make sure at the end of the day you’re happy with your home coverage. Here’s a list below of companies to consider.

Homeowners Insurance Co.AM BEST
NationwideA
ChubbA
ProgressiveA+
American FamilyA
MetLifeA-
State FarmA++
TravelersA++
USAAA++
American InternationalA-
Auto-Owners InsuranceA
Liberty MutualA
Hartford FinancialA+
Farmers InsuranceA

What are 2 things generally not covered in homeowners insurance?

arkansas homeowners insurance

  • Any damage caused by smoke or smog from industrial or agricultural occurrences would not be covered.
  • General wear and tear, insect or termite damage, and rust would also not be covered.

Which companies offer Homeowners in Arkansas?

Insurance companies offer a variety of different coverages.

Surprisingly not all insurers cover homes.

That’s why it’s always wise to, not only look into who can cover your home but what rates will be best for you. We’ve included a list of insurers below.

Insurance CompanyHomeowners Offered?
Travelersyes
American Familyyes
State Farmyes
Chubbyes
Nationwideyes
Auto-Ownersyes
Farmers Insuranceyes
Progressiveyes
American Internationalyes
Liberty Mutualyes
Hartfordyes
MetLife Inc.yes
USAAyes
At A Plus Insurance, we work with Progressive ASI and Travelers insurance for homeowners policies.

What is the most frequent homeowners insurance claims in Arkansas?

The frequency and types of claims can vary based on factors such as location, weather patterns, and individual circumstances. In Arkansas, some common homeowners insurance claims include:

  1. Wind and Hail Damage: Arkansas is prone to severe weather events, including thunderstorms and tornadoes. Wind and hail damage to roofs, windows, and siding are common reasons for homeowners insurance claims.
  2. Water Damage: Water damage can result from various sources, such as burst pipes, plumbing leaks, or flooding. Heavy rainfall, storms, and flash floods can also contribute to water-related claims.
  3. Fire Damage: While the overall fire risk may not be as high as in some other states, house fires can still occur due to various reasons, such as electrical issues, cooking accidents, or wildfires.
  4. Theft and Burglary: Homeowners may file claims for stolen property or damage caused during a burglary. Security measures like alarms and locks can help prevent such incidents.
  5. Liability Claims: Liability claims may arise if someone is injured on your property. This could include slip and fall accidents or other injuries for which you may be held responsible.

It’s essential to review your homeowners insurance policy to understand what types of coverage are included and to ensure that you have adequate protection for potential risks in your area. Additionally, insurance companies may have different claim frequencies based on their policyholders’ experiences and the specific coverages they offer.

Arkansas Homeowners Insurance: Frequently Asked Questions

What does Arkansas Homeowners Insurance cover?

Arkansas Homeowners Insurance typically covers damage to your home and personal belongings caused by perils such as fire, theft, and certain natural disasters. It may also provide liability coverage in case someone is injured on your property.

How can I customize my Arkansas Homeowners Insurance policy?

You can customize your policy by adding endorsements or riders to address specific needs. For example, you may want to add coverage for high-value items, such as jewelry or electronics, or consider additional coverage for natural disasters not included in the standard policy.

Need assistance? How can I contact you?

For personalized assistance or to get a quote, feel free to call us at 1.888.445.2793. Our dedicated team is ready to help you with your Arkansas Homeowners Insurance needs.

Insurance varies greatly from state to state. Click on your state to find out more specifics about homeowners insurance.

AL AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Or If You’re Ready…

If you have all the information you need, get a homeowner’s quote now!


Auto Insurance Arkansas Guide
SR22 Insurance Guide Arkansas
Progressive Insurance in Arkansas
Links for Arkansas Insurance

For more information or a personalized quote, call us at 1.888.445.2793.

Last Updated on by Marlon Moss

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