Arkansas Homeowners Insurance

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Arkansas Homeowners Insurance

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

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 each 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

Arkansas Homeowners Insurance
Before getting a Quote, make sure you understand the difference between actual cash value and replacement cost value coverage. Click to find out more!

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 bundling 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 homeowners insurance. Own a vehicle, or a motorcycle? Lets 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 is 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 up front. 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, 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 insures. We have a list below on discount options.

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

Arkansas Homeowners Insurance Rating factors

There can be many different factors that effect homeowners 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 amount 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 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 it’s 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 Home Owners Insurance

  • Any damage caused by smoke or smog from industrial or agricultural occurances 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.

Arkansas Homeowners Insurance: Frequently Asked Questions

What are the three types of coverages for homeowners insurance? Replacement Cost, Actual Cash Value & Extended Replacement Cost.

What does coverage F mean in my Arkansas Homeowners policy? Coverage F is ‘Medical Payments to others’. This will help cover small medical expenses if a guest, who is not a regular resident of the property, sustains minor injuries while on your property.

What is the average cost of homeowners insurance in Arkansas? The average cost for Homeowners Insurance in Arkansas is $1100-$1400 /year.

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 homeowners quote now!

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Last Updated on May 24, 2022 by Veronica Moss