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June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 07, 2022 Find your perfect provider
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Collapse Caret Up is typically required by mortgage companies and recommended by experts because of the invaluable financial protection it provides. Residents of Arkansas are not strangers to natural disasters. Arkansas experiences hurricanes and incurs , according to the Insurance Information Institute (Triple-I), which can result in costly damages and claims. For this reason, the is significantly above the U.S. average and the state ranks amongst the costliest for property coverage in the country. The average cost of homeowners insurance in Arkansas is $2,142 per year for $250,000 in dwelling coverage. It may be on the high side, but you can find the most competitive rate for your situation by comparing quotes from some of the best homeowners insurance companies in Arkansas. Collapse On This Page
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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first. On This Page
is typically required by mortgage companies and recommended by experts because of the invaluable financial protection it provides. Residents of Arkansas are not strangers to natural disasters. Arkansas experiences hurricanes and incurs , according to the Insurance Information Institute (Triple-I), which can result in costly damages and claims. For this reason, the is significantly above the U.S. average and the state ranks amongst the costliest for property coverage in the country. The average cost of homeowners insurance in Arkansas is $2,142 per year for $250,000 in dwelling coverage. It may be on the high side, but you can find the most competitive rate for your situation by comparing quotes from some of the best homeowners insurance companies in Arkansas. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form is typically required by mortgage companies and recommended by experts because of the invaluable financial protection it provides. Residents of Arkansas are not strangers to natural disasters. Arkansas experiences hurricanes and incurs , according to the Insurance Information Institute (Triple-I), which can result in costly damages and claims. For this reason, the is significantly above the U.S. average and the state ranks amongst the costliest for property coverage in the country. The average cost of homeowners insurance in Arkansas is $2,142 per year for $250,000 in dwelling coverage. It may be on the high side, but you can find the most competitive rate for your situation by comparing quotes from some of the best homeowners insurance companies in Arkansas. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form is typically required by mortgage companies and recommended by experts because of the invaluable financial protection it provides. Residents of Arkansas are not strangers to natural disasters. Arkansas experiences hurricanes and incurs , according to the Insurance Information Institute (Triple-I), which can result in costly damages and claims. For this reason, the is significantly above the U.S. average and the state ranks amongst the costliest for property coverage in the country. The average cost of homeowners insurance in Arkansas is $2,142 per year for $250,000 in dwelling coverage. It may be on the high side, but you can find the most competitive rate for your situation by comparing quotes from some of the best homeowners insurance companies in Arkansas. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Best home insurance companies in Arkansas
If you are a resident looking for the best Arkansas homeowners insurance companies, you will likely find it helpful to compare options from available national and regional providers in your area. The benefit of conducting research is that you are more likely to find the best home insurance rates for your coverage needs. By utilizing scores and Bankrate's methodology, including analysis of 2021 average rates obtained from Quadrant Information Services, Bankrate's insurance editorial team selected five companies to include in this review. Home insurance company Average annual premium for $250k dwelling coverage J.D. Power score $2,092 882/1,000 $2,151 900/1,000 $4,076 884/1,000 $2,236 880/1,000 $1,519 905/1,000 *USAA is not officially ranked by J.D. Power due to eligibility restrictions. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Allstate homeowners insurance may be a perfect option for someone looking for affordable coverage because this company offers multiple discounts. Customers who bundle different policy types could get up to a 25% discount, as Allstate also offers auto, renters, condo, motorcycle, business, life, roadside and identity insurance. Allstate's J.D. Power property claims satisfaction score does not rank as highly as some of the others on this list, at 882 out of 1,000 possible points. However, its score did not decrease at all from the Learn more: Auto-Owners
Auto-Owners is one of the oldest insurance providers in the state. It has been around for over 100 years and has almost three million policyholders, but is available in only 26 states. Auto-Owners offers more than just home insurance. It offers car and life insurance as well, making it easy for policyholders to bundle and save. Learn more: Farmers
Farmers specializes in large policy limits. If you have a large home that is increasing in value, this could be the best option for you, although it's worth taking note that Farmers' homeowners policies are the most expensive, on average, compared to other providers on this list. This could be offset by a multiple policy discount; Farmers also provides auto, life, business, recreational, motorcycle, umbrella and financial insurance. Farmers has local branches throughout Arkansas with locally-knowledgeable agents ready to help. Learn more: State Farm
State Farm may be an ideal option for those who want a more personal insurance experience. The company has a large number of local agents that can help serve as a first point of contact for any insurance needs or claims questions. However, compared to other carriers on this list, State Farm's homeowners insurance policies and coverage options are fairly standard and its rates average the second most expensive, at $2,236 per year for $250,000 in dwelling coverage. Learn more: USAA
For active or retired armed forces and their families living in Arkansas, USAA may be a great homeowners insurance provider to consider. With policies designed to take into account the demands of military life, homeowners can rest easy knowing their home is financially protected from covered losses. In addition to other insurance products, banking capabilities and guidance, USAA offers policyholders a unique portfolio of financial services. Although it consistently receives high scores in the J.D. Power home and auto studies, USAA is technically rank-ineligible because of its limited availability. Learn more: How much is homeowners insurance in Arkansas
The in Arkansas is $2,142 per year for $250,000 in dwelling coverage, 63% higher than the national average of $1,312. Arkansas’ higher average premium may be partly due to the frequency of natural disasters that lead to insurance claims. Compared to states like Delaware and New Hampshire which typically have fewer national disasters, Arkansas’ average rates are more expensive. The average annual rate for $250,000 of dwelling coverage in Delaware is $680, and is $724 in New Hampshire. Home insurance in Arkansas
Because each state has different risk factors, Arkansas homeowners should consider the hazards that may impact their property when shopping for insurance coverage. Below are the common causes of loss in Arkansas and some additional coverage options you may want to consider if you live in the state. Arkansas common causes of loss
Home insurance claims can occur for many reasons, and it can be helpful to speak with a licensed, local agent who is familiar with the most common risks in your immediate area. They can help you choose the right coverage options to protect yourself financially and provide valuable guidance in the event of a covered loss. The following are common causes for homeowners claims in Arkansas: Earthquakes: Arkansas is susceptible to earthquakes due to its . Earthquakes are not typically covered by a standard homeowners insurance policy, so check with your insurance agent if you are worried about this type of risk. Hail damage: Commonly associated with thunderstorms and , hail damage can often be addressed by . Wind damage: Thunderstorms and proximity to hurricanes often results in damaging high winds in Arkansas. Theft or burglary: For property crime, Arkansas is statistically per 1,000 residents. Home insurance coverage options in Arkansas
Finding the right Arkansas home insurance coverage can be made easier by understanding what a policy may or may not include. Here are the most common types of coverage that insurers may recommend based on Arkansas state risks: : This coverage is typically included in a standard policy and is part of your dwelling coverage. It protects aspects of your home’s structure like the roof or the walls if they are impacted by a covered natural disaster such as a severe thunderstorm, hailstorm, windstorm, blizzard or fire. Hazard insurance also provides financial protection for your personal possessions damaged by a covered peril. However, not all hazards are covered automatically — flood and earthquake coverage must be purchased separately. : Homeowners may not realize flood damage is not a covered peril, leaving many to have to foot the bill for this type of loss out of their own financial resources if they don’t have a separate flood policy in place. Buying flood insurance is a good way to reduce the risk of financial loss due flood damage. : If you own items with an individual value of over $500, such as fine jewelry or electronics, you may not receive the item’s full value after a covered peril. Scheduled personal property ensures the higher-value items’ replacement cost is accounted for in your policy and may protect against additional perils. Frequently asked questions
The cheapest in Arkansas depends on a number of factors unique to you, including the age and replacement value of your home, where you live, proximity to a local fire station and fire hydrants, your deductible and what type of discounts you can get.
Most standard homeowners insurance policies typically include loss of use, which covers temporary living expenses up to your policy's limits if you are displaced from your home due to a covered claim. Standard policies also include other structures coverage, which helps pay to repair or replace detached structures on your property, such as fences, sheds, gazebos, in-ground swimming pools and detached garages.
Obtaining a homeowners insurance quote is a simple process and fairly consistent amongst property insurers. It requires some basic information such as the name of the applicant(s) and date of birth, location address, coverage start date, number of people residing in your household, mortgage lender information, insurance history, email address and phone number. You will also need details about your home, including square footage, construction materials and safety features. You can obtain quotes directly from an insurer online, by phone or in-person through a local agent. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Written by June Sham Insurance Writer June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.