- Homeowners Insurance Companies with Competitive Rates
- Factors That Affect Homeowners Insurance Rates
- Why Do Home Insurance Prices Vary by City?
- How to Find the Cheapest Homeowners Insurance in Arkansas?
- Get a Free Homeowners Insurance Quote in Arkansas!
- Arkansas Homeowners Insurance Discounts You May Qualify For
- Arkansas Homeowners Insurance Discounts You May Qualify For
- What Factors Affect Homeowners Insurance Rates in Arkansas?
- Average Cost of Homeowners Insurance in Arkansas
- AM Best Ratings for Arkansas Homeowners Insurance Companies
- Which Companies Offer Homeowners Insurance in Arkansas?
- What is the most frequent homeowners insurance claims in Arkansas?
- Arkansas Homeowners Insurance: Frequently Asked Questions
- What does Arkansas Homeowners Insurance cover?
- How can I customize my Arkansas Homeowners Insurance policy?
- Need assistance? How can I contact you?
- Additional Helpful Links for Arkansas Insurance
- What We Do at A Plus Insurance
Who Has the Best Homeowners Insurance Rates in Arkansas?
If you’re looking for affordable homeowners insurance in Arkansas, you’ll find that rates vary significantly between providers. While some companies may offer lower average rates, the best option for you depends on factors like your home’s location, age, and coverage needs.
Homeowners Insurance Companies with Competitive Rates
Below is a general ranking of insurance companies offering some of the lowest average rates in Arkansas. However, prices vary based on your individual situation.
| Homeowners Insurance Co. | Rank |
|---|---|
| MetLife Inc. | 1 |
| Hartford | 2 |
| American International | 3 |
| Nationwide | 4 |
| American Family | 5 |
| USAA | 6 |
| Progressive | 7 |
| Farmers Insurance | 8 |
| Chubb | 9 |
What Is the Cheapest Homeowners Insurance Company in Arkansas?
If you’re looking for affordable homeowners insurance in Arkansas, comparing multiple providers is the best way to find the right balance between cost and coverage. Rates can vary depending on factors such as your home’s location, size, construction type, and coverage needs.
Factors That Affect Homeowners Insurance Rates
- Home’s Location – Areas prone to storms, floods, or crime may have higher premiums.
- Home’s Size & Construction Type – Larger homes and older structures often cost more to insure.
- Coverage Needs – More extensive coverage leads to higher rates, while basic policies are more affordable.
- Insurance Company Policies & Discounts – Some companies offer multi-policy, security system, or claims-free discounts.
Cheapest Homeowners Insurance Companies in Arkansas!
| Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,000 – $1,500 |
| State Farm | $900 – $1,400 |
| Progressive | $1,200 – $1,800 |
Cheapest Homeowners Insurance Rates in Arkansas
When buying a home, comparing homeowners insurance rates across different cities in Arkansas can help you find the best deal. Insurance premiums vary by zip code, property location, and risk factors, so checking multiple options ensures you get the most affordable coverage.
Why Do Home Insurance Prices Vary by City?
Several factors affect home insurance rates in Arkansas, including:
- Severe Weather Risks – Areas prone to high winds, tornadoes, or hailstorms often have higher premiums due to frequent roof damage claims.
- Flood & Natural Disaster Zones – Homes in flood-prone areas may require additional coverage, increasing costs.
- Fire Department Proximity – If your home is far from a fire station or hydrant, insurers may charge higher premiums due to increased fire risk.
- Crime Rate – Higher crime rates in some cities can raise the cost of coverage due to theft and vandalism risks.
How to Find the Cheapest Homeowners Insurance in Arkansas?
- Compare Rates by Zip Code – Insurance prices vary by city, so getting multiple quotes can save you money.
- Bundle Home & Auto Policies – Many insurers offer discounts for combining multiple policies.
- Improve Home Safety – Installing security systems, smoke detectors, and impact-resistant roofing may qualify you for discounts.
- Increase Your Deductible – Choosing a higher deductible lowers your monthly premium.
Get a Free Homeowners Insurance Quote in Arkansas!
Want to find the cheapest homeowners insurance rate in your city? Call today or get a free online quote to compare options and secure affordable coverage.
| City in Arkansas | Best Homeowners Insurance Company |
|---|---|
| Maumelle | Progressive (ASI) |
| Helena-West Helena | Progressive (ASI) |
| Bryant | Progressive (ASI) |
| De Queen | Chub |
| Greenbrier | Chub |
| Clarksville | Travelers |
| Newport | Chub |
| Sherwood | Travelers |
| Fort Smith | Farmers |
| Searcy | Amica |
| Stuttgart | Allstate |
| Rogers | Travelers |
| Cabot | Progressive (ASI) |
| Mena | USAA |
| Heber Springs and Farmington | Farmers |
| Texarkana | Farmers |
| Siloam Springs | USAA |
| Berryville | Progressive (ASI) |
| Conway | USAA |
| Wynne | Progressive (ASI) |
| Rockwell | Progressive |
| Jonesboro | Farmers |
| Hot Springs Village | Allstate |
| North Little Rock | Progressive |
| Trumann | Liberty Mutual |
| Magnolia | Liberty Mutual |
| Hope | Farmers |
| White Hall | State Farm |
| Camden | American Family |
| Pea Ridge | Liberty Mutual |
| Greenwood | Progressive |
| Batesville | Liberty Mutual |
| Lowell | American Family |
| Hot Springs | NationWide |
| Little Rock | Farmers |
| Vilonia | American Family |
| Crossett | Progressive (ASI) |
| Forrest City | Farmers |
| Paragould | Liberty Mutual |
| El Dorado | Travelers |
| Morrilton | Travelers |
| Van Buren | Travelers |
| Beebe | NationWide |
| Gibson | Travelers |
| Centerton | Travelers |
| Benton | Progressive (ASI) |
| Springdale | Liberty Mutual |
| Monticello | Progressive |
| Walnut Ridge | American Family |
| Mountain Home | American Family |
| Pocahontas | Liberty Mutual |
| East End | Progressive (ASI) |
| Blytheville | State Farm |
| Cherokee Village | Chub |
| Russellville | State Farm |
| Ward | Progressive |
| West Memphis | Travelers |
| Haskell | Progressive (ASI) |
| Bentonville | NationWide |
| Malvern | Travelers |
| Barling | Farmers |
| Dardanelle | Allstate |
Arkansas Homeowners Insurance Discounts You May Qualify For
Looking to save money on your homeowners insurance in Arkansas? Many insurers offer a variety of discounts that can help lower your premium. You may even qualify for multiple discounts at once.
Common Homeowners Insurance Discounts in Arkansas
- Bundling Discount – Save by combining home and auto insurance with the same provider.
- Paperless Discount – Opting for electronic billing can lower your premium.
- Pay-in-Full Discount – Paying your policy in one lump sum instead of monthly can result in savings.
- EFT Discount – Setting up automatic payments through a checking account can lead to additional discounts.
- Home Safety Discounts – Installing safety features like:
- Smoke detectors
- Security systems
- Leak detection or automatic water shut-off systems
Why Check for Discounts?
Many homeowners don’t realize they qualify for simple discounts that could reduce their premium. Asking about available savings when getting a quote can help you pay less for the same coverage.
Get a Free Quote for Discounted Homeowners Insurance in Arkansas
Want to see how much you can save? Call today or get a free online quote to compare Arkansas homeowners insurance discounts and find the best rate.
| Arkansas Homeowners Insurance Bundling Options |
|---|
| Life |
| Health |
| RV |
| ATV |
| Boat |
| Umbrella |
| Auto |
| Motorcycle |
| Business |
Arkansas Homeowners Insurance Discounts You May Qualify For
Saving money on homeowners insurance in Arkansas is easier than you think. Many insurers offer discounts that can significantly lower your premium. You may even qualify for multiple discounts at once.
Common Homeowners Insurance Discounts in Arkansas
EFT Discount – Setting up automatic payments using your checking account can reduce costs.
Bundling Discount – Save money by combining home and auto insurance with the same provider.
Paperless Discount – Opting for electronic billing can lower your premium.
Pay-in-Full Discount – Paying your policy upfront in one lump sum can result in big savings.
Get a Free Homeowners Insurance Quote in Arkansas
Want to see how much you can save? Call today or get a free online quote to compare Arkansas homeowners insurance discounts and find the best rate for your home.
| 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 |
What Factors Affect Homeowners Insurance Rates in Arkansas?
Homeowners insurance rates in Arkansas vary based on several key factors. Insurers assess risk levels to determine your premium and eligibility for coverage. Understanding these factors can help you find the best rate and avoid policy denials.
Major Rating Factors for Homeowners Insurance
- Location & Zip Code – Homes in areas prone to storms, flooding, or high crime rates may have higher premiums.
- Credit History – Many insurers use credit scores to assess financial responsibility and risk.
- Home Age & Condition – Older homes or those with outdated electrical, plumbing, or roofing may cost more to insure.
- Replacement Cost – The estimated cost to rebuild your home, including materials and labor, affects your rate.
Risks That Can Impact Eligibility
Some features of your home may increase liability risks, leading to higher premiums or policy denials:
- Trampolines – Considered a liability risk due to injury potential.
- Unfenced Pools – Homes with no safety barriers may be harder to insure.
- Restricted Dog Breeds – Some insurers exclude coverage for certain dog breeds deemed high-risk.
- Frequent Claims History – Too many past claims, especially theft or fire-related, can lead to higher rates or coverage denial.
Get a Free Homeowners Insurance Quote in Arkansas
Want to find the best coverage at an affordable rate? Call today or get a free online quote to compare homeowners insurance options in Arkansas.
| 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 of Homeowners Insurance in Arkansas
The average cost of homeowners insurance in Arkansas is $77 above the national average, making it essential to compare rates before purchasing a policy. Since pricing varies based on location, home features, and coverage options, getting multiple quotes can help you find the best coverage at the lowest price.
Why Homeowners Insurance Costs Vary
- Location Risk – Homes in areas prone to tornadoes, flooding, or wildfires tend to have higher premiums.
- Home Value & Construction – The cost to rebuild your home affects your rate, especially for older or custom-built homes.
- Coverage & Deductible – Higher coverage limits increase your premium, while a higher deductible lowers your monthly cost.
- Available Discounts – Many companies offer savings for bundling home and auto, installing security systems, or having a claims-free history.
How to Find the Best Rate for Homeowners Insurance in Arkansas
- Compare Multiple Quotes – Rates vary between providers, so shopping around helps find the best deal.
- Look for Discounts – Check for multi-policy, safety features, and paperless billing discounts.
- Customize Your Coverage – Choose a policy that fits your needs without overpaying for unnecessary extras.
Get a Free Homeowners Insurance Quote in Arkansas
Need affordable homeowners insurance? Call today or get a free online quote to compare rates from top Arkansas insurance providers.
| City in Arkansas | Average 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 Ratings for Arkansas Homeowners Insurance Companies
When choosing homeowners insurance in Arkansas, it’s important to consider a company’s financial strength and reliability. AM Best is the largest insurance credit rating agency, assessing insurers based on their ability to pay claims and meet financial obligations. A high AM Best rating means an insurance company is financially stable and dependable.
Why Do AM Best Ratings Matter?
- Indicates Financial Stability – A higher rating means the insurer has strong financial backing.
- Measures Claim Reliability – Companies with higher ratings are more likely to pay claims on time.
- Helps Compare Insurers – Ratings allow you to evaluate different companies before making a decision.
AM Best Ratings for Top Arkansas Homeowners Insurance Providers
| Homeowners Insurance Co. | AM BEST |
|---|---|
| Nationwide | A |
| Chubb | A |
| Progressive | A+ |
| American Family | A |
| MetLife | A- |
| State Farm | A++ |
| Travelers | A++ |
| USAA | A++ |
| American International | A- |
| Auto-Owners Insurance | A |
| Liberty Mutual | A |
| Hartford Financial | A+ |
| Farmers Insurance | A |
What are 2 things generally not covered in 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 Insurance in Arkansas?
Not all insurance companies cover homes, so it’s important to find the right provider that offers reliable coverage at a competitive rate. While many national and regional insurers operate in Arkansas, policies and pricing can vary depending on your location, home type, and coverage needs.
| Insurance Company | Homeowners Offered? |
|---|---|
| Travelers | yes |
| American Family | yes |
| State Farm | yes |
| Chubb | yes |
| Nationwide | yes |
| Auto-Owners | yes |
| Farmers Insurance | yes |
| Progressive | yes |
| American International | yes |
| Liberty Mutual | yes |
| Hartford | yes |
| MetLife Inc. | yes |
| USAA | yes |
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:
- 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.
- 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.
- 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.
- 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.
- 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.
Additional Helpful Links for Arkansas Insurance
| Auto Insurance Arkansas Guide |
| SR22 Insurance Guide Arkansas |
| Progressive Insurance in Arkansas |
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
For more information or a personalized quote, call us at 1.888.445.2793.
Last Updated on by Brian Muse