Best Arkansas Home Insurance (August 23)
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Are you looking to buy the most affordable home insurance in Arkansas? To provide you with the finest homeowners insurance in Arkansas, we have analyzed all the major insurers in the state.
Key Takeaways
- Arkansas homeowners insurance costs $2,037 annually.
- Insurers offer home insurance policies in the state starting at around $1,677 annually.
- The insurance rates are high as the state gets frequently hit by natural disasters.
Arkansas homeowners insurance: What you need to know
The cost of homeowners insurance in Arkansas comes to around $2,037 yearly, which is higher than the national average rate.
Arkansas is not the riskiest state regarding extreme weather and natural disasters. However, it is also vulnerable to the elements in all four seasons, including strong tornadoes and wildfires once spring and summer arrive. So that necessitates buying an expensive and essential home insurance policy.
What does a homeowners insurance policy cover?
Typically, a home insurance policy offers these coverages - Liability, Dwelling, Personal Property, Other Structures, Medical Payments to Others, and Additional Living Expenses. Additionally, you can get these coverages if you buy homeowners insurance in Arkansas.
- Hazard insurance: This coverage is a part of your standard policy. It covers structural elements like the roof or the walls when your home gets affected by a natural disaster, like a severe thunderstorm, hailstorm, windstorm, snow, or fire. Also, hazard insurance offers financial security for items you own that get damaged by a protected risk.
- Flood insurance: Many may have to pay for the damage from their pocket if a homeowner does not have a separate flood policy. Buying flood insurance is the best move to lower the chance of financial loss due to flood damage.
- Scheduled personal property: If you own items, such as expensive jewelry or electronics, that are worth more than $500 each, you might not get the entire value of those items in the event of a covered risk. So this coverage may protect you from additional risks and guarantees that the replacement cost of the higher-value items is in your policy.
What isn't covered by a typical homeowners insurance policy?
Homeowners insurance policies do not cover earthquakes, flooding, nuclear threats, power outages, insect and vermin infestations, sinkholes, war, wear and tear, or intentional loss. Therefore, reviewing your Arkansas home insurance policy before purchasing is essential to guarantee the coverages you get.
The cheapest home insurance companies in Arkansas
The cost of home insurance in Arkansas differs by the insurer you choose. With an average annual rate of $1,677, Farmers offer the most affordable Arkansas home insurance. Shelter offers the next best option for a home insurance policy with a yearly rate of $1,690.
| Insurer | Average annual rate |
|---|---|
| Farmers | $1,677 |
| Shelter | $1,690 |
| USAA | $1,950 |
| Farm Bureau | $2,012 |
| State Farm | $2,096 |
The best homeowners insurance in Arkansas for those with poor credit
Insurers use your credit score to assess whether you pose a high risk for them to insure. Shelter has the lowest Arkansas homeowners insurance rate for a homeowner with bad credit, costing an average of $3,269 yearly. Whereas State Farm has the highest, costing an average of $4,979 annually.
Insurance companies charge high premiums for customers with low credit scores as they are likely to submit claims for modest losses or damages.
| Insurer | Average annual rate |
|---|---|
| Shelter | $3,269 |
| Arkansas Farm Bureau Insurance | $3,465 |
| Allstate | $4,384 |
| Farmers | $4,400 |
| State Farm | $4,979 |
The best homeowners insurance in Arkansas for pool owners
You must pay more for home insurance if you have a pool. Insurance companies view pools as a potential risk since accidents could happen in and around them. With a yearly average rate of $2,305, Farmers offer the most affordable homeowners insurance in Arkansas for a homeowner with a pool.
| Insurer | Average annual rate |
|---|---|
| Farmers | $2,305 |
| Shelter | $2,527 |
| Arkansas Farm Bureau Insurance | $2,713 |
| Allstate | $2,820 |
| State Farm | $2,902 |
The best homeowners insurance in Arkansas for dog owners
Some dog breeds may result in higher Arkansas home insurance costs for their owners. Customers who own Pitbulls, Rottweilers, or other dog breeds that insurers consider 'dangerous' frequently pay higher premiums. Farmers offer the most affordable home insurance rates in Arkansas for a house with a dangerous dog breed, with an average yearly premium of $2,305.
| Insurer | Average annual rate |
|---|---|
| Farmers | $2,305 |
| Shelter | $2,527 |
| Arkansas Farm Bureau Insurance | $2,713 |
| Allstate | $2,820 |
| State Farm | $2,902 |
Homeowners insurance deductibles in Arkansas
Arkansas residents must consider many home insurance policy choices, including the deductible amount. It is the amount a homeowner must pay out of pocket before their insurer starts to pay claims. Your choice of deductible could significantly affect your home insurance prices. So, when choosing a deductible, remember that your insurance rates will be cheaper the larger your deductible is.
The following are the typical deductibles provided by home insurance providers.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $2,315 |
| $1,000 | $2,155 |
| $2,000 | $1,907 |
| $5,000 | $1,859 |
Arkansas home insurance prices by coverage levels
The rate of homeowners insurance in Arkansas depends on the level of homeowners coverage you choose. Maintaining a $100K dwelling in Arkansas costs $1,661 on average. Maintaining a $600K dwelling costs an average of $5,430 per year.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $1,661 |
| $200,000 | $2,354 |
| $300,000 | $3,055 |
| $400,000 | $3,743 |
| $500,000 | $4,562 |
| $600,000 | $5,430 |
Arkansas homeowners insurance costs by city
The rate of Arkansas homeowners insurance differs by the area where you live. The rate depends on factors like the volume of local claims and ZIP code. These are the insurance rates in various cities.
| City | Average annual rate |
|---|---|
| Adona | $1,564 |
| Alexander | $1,503 |
| Alicia | $1,434 |
| Alix | $1,558 |
| Alleene | $1,786 |
| Alma | $1,669 |
| Almyra | $1,489 |
| Alpena | $1,537 |
| Alpine | $1,622 |
| Altheimer | $1,540 |
| Altus | $1,576 |
| Amagon | $1,571 |
| Amity | $1,587 |
| Antoine | $1,610 |
| Arkadelphia | $1,634 |
| Arkansas City | $1,611 |
| Armorel | $1,520 |
| Ash Flat | $1,528 |
| Ashdown | $1,746 |
| Atkins | $1,473 |
| Aubrey | $1,517 |
| Augusta | $1,511 |
| Austin | $1,437 |
| Avoca | $1,415 |
| Bald Knob | $1,564 |
| Banks | $1,694 |
| Barling | $1,581 |
| Barton | $1,522 |
| Bass | $1,480 |
| Bassett | $1,521 |
| Batesville | $1,467 |
| Bauxite | $1,556 |
| Bay | $1,438 |
| Bearden | $1,612 |
| Bee Branch | $1,446 |
| Beebe | $1,469 |
| Beech Grove | $1,491 |
| Beedeville | $1,582 |
| Beirne | $1,643 |
| Bella Vista | $1,438 |
| Belleville | $1,580 |
| Ben Lomond | $1,742 |
| Benton | $1,600 |
| Bentonville | $1,524 |
| Bergman | $1,607 |
| Berryville | $1,518 |
| Bethel Heights | $1,392 |
| Bexar | $1,531 |
| Big Flat | $1,467 |
| Bigelow | $1,431 |
| Biggers | $1,425 |
| Bismarck | $1,521 |
| Black Oak | $1,456 |
| Black Rock | $1,515 |
| Blevins | $1,807 |
| Bluff City | $1,716 |
| Bluffton | $1,559 |
| Blytheville | $1,575 |
| Board Camp | $1,547 |
| Boles | $1,526 |
| Bonnerdale | $1,475 |
| Bono | $1,476 |
| Booneville | $1,550 |
| Bradford | $1,540 |
| Bradley | $1,757 |
| Branch | $1,505 |
| Brickeys | $1,544 |
| Briggsville | $1,563 |
| Brinkley | $1,558 |
| Brockwell | $1,827 |
| Brookland | $1,446 |
| Bruno | $1,528 |
| Bryant | $1,558 |
| Buckner | $1,699 |
| Bull Shoals | $1,458 |
| Burdette | $1,551 |
| Cabot | $1,461 |
| Caddo Gap | $1,610 |
| Caldwell | $1,624 |
| Cale | $1,743 |
| Calico Rock | $1,674 |
| Calion | $1,712 |
| Camden | $1,631 |
| Cammack Village | $1,351 |
| Camp | $1,530 |
| Canehill | $1,482 |
| Caraway | $1,424 |
| Carlisle | $1,497 |
| Carthage | $1,686 |
| Casa | $1,578 |
| Cash | $1,439 |
| Casscoe | $1,510 |
| Caulksville | $1,544 |
| Cave City | $1,489 |
| Cave Springs | $1,454 |
| Cecil | $1,491 |
| Cedarville | $1,677 |
| Center Ridge | $1,523 |
| Centerton | $1,503 |
| Charleston | $1,481 |
| Charlotte | $1,456 |
| Cherokee Village | $1,502 |
| Cherry Valley | $1,515 |
| Chester | $1,461 |
| Chidester | $1,704 |
| Clarendon | $1,563 |
| Clarkedale | $1,588 |
| Clarkridge | $1,445 |
| Clarksville | $1,577 |
| Cleveland | $1,496 |
| Clinton | $1,476 |
| Coal Hill | $1,576 |
| College Station | $1,427 |
| Colt | $1,572 |
| Columbus | $1,817 |
| Combs | $1,381 |
| Compton | $1,566 |
| Concord | $1,450 |
| Conway | $1,407 |
| Cord | $1,433 |
| Corning | $1,482 |
| Cotter | $1,420 |
| Cotton Plant | $1,545 |
| Cove | $1,689 |
| Coy | $1,523 |
| Crawfordsville | $1,483 |
| Crocketts Bluff | $1,486 |
| Crossett | $1,703 |
| Crumrod | $1,539 |
| Curtis | $1,726 |
| Cushman | $1,532 |
| Damascus | $1,480 |
| Danville | $1,648 |
| Dardanelle | $1,554 |
| Datto | $1,507 |
| De Queen | $1,748 |
| Decatur | $1,549 |
| Deer | $1,577 |
| Delaplaine | $1,469 |
| Delaware | $1,502 |
| Delight | $1,632 |
| Dell | $1,565 |
| Dennard | $1,510 |
| Dermott | $1,649 |
| Des Arc | $1,495 |
| Desha | $1,472 |
| DeValls Bluff | $1,495 |
| DeWitt | $1,509 |
| Diamond City | $1,546 |
| Diaz | $1,600 |
| Dierks | $1,799 |
| Doddridge | $1,680 |
| Dolph | $1,608 |
| Donaldson | $1,530 |
| Dover | $1,492 |
| Drasco | $1,433 |
| Driver | $1,541 |
| Dumas | $1,568 |
| Dyess | $1,528 |
| Earle | $1,462 |
| East Camden | $1,639 |
| East End | $1,473 |
| Edgemont | $1,463 |
| Edmondson | $1,497 |
| El Dorado | $1,581 |
| El Paso | $1,440 |
| Elaine | $1,515 |
| Elizabeth | $1,496 |
| Elkins | $1,408 |
| Elm Springs | $1,528 |
| Emerson | $1,599 |
| Emmet | $1,795 |
| England | $1,477 |
| Enola | $1,470 |
| Ethel | $1,498 |
| Etowah | $1,537 |
| Eudora | $1,699 |
| Eureka Springs | $1,511 |
| Evansville | $1,473 |
| Evening Shade | $1,519 |
| Everton | $1,560 |
| Fairfield Bay | $1,511 |
| Farmington | $1,504 |
| Fayetteville | $1,507 |
| Fifty-Six | $1,744 |
| Fisher | $1,570 |
| Flippin | $1,472 |
| Floral | $1,434 |
| Fordyce | $1,633 |
| Foreman | $1,734 |
| Forrest City | $1,530 |
| Fort Smith | $1,596 |
| Fouke | $1,658 |
| Fountain Hill | $1,702 |
| Fox | $1,535 |
| Franklin | $1,894 |
| Fredonia (Biscoe) | $1,456 |
| Frenchmans Bayou | $1,501 |
| Friendship | $1,548 |
| Fulton | $1,804 |
| Gamaliel | $1,456 |
| Garfield | $1,449 |
| Garland City | $1,653 |
| Garner | $1,568 |
| Gassville | $1,433 |
| Gateway | $1,512 |
| Genoa | $1,662 |
| Gentry | $1,613 |
| Gepp | $1,517 |
| Gibson | $1,426 |
| Gilbert | $1,580 |
| Gillett | $1,514 |
| Gillham | $1,759 |
| Gilmore | $1,561 |
| Glencoe | $1,526 |
| Glenwood | $1,631 |
| Goodwin | $1,601 |
| Goshen | $1,650 |
| Gosnell | $1,581 |
| Gould | $1,562 |
| Grady | $1,614 |
| Grannis | $1,654 |
| Grapevine | $1,530 |
| Gravelly | $1,634 |
| Gravette | $1,484 |
| Green Forest | $1,639 |
| Greenbrier | $1,449 |
| Greenland | $1,528 |
| Greenway | $1,458 |
| Greenwood | $1,450 |
| Greers Ferry | $1,455 |
| Gregory | $1,564 |
| Griffithville | $1,537 |
| Grubbs | $1,587 |
| Guion | $1,934 |
| Gurdon | $1,603 |
| Guy | $1,460 |
| Hackett | $1,468 |
| Hagarville | $1,505 |
| Hamburg | $1,709 |
| Hampton | $1,616 |
| Hardy | $1,482 |
| Harrell | $1,608 |
| Harriet | $1,550 |
| Harrisburg | $1,505 |
| Harrison | $1,550 |
| Hartford | $1,481 |
| Hartman | $1,580 |
| Harvey | $1,600 |
| Haskell | $1,495 |
| Hasty | $1,561 |
| Hatfield | $1,704 |
| Hattieville | $1,533 |
| Havana | $1,650 |
| Haynes | $1,566 |
| Hazen | $1,490 |
| Heber Springs | $1,454 |
| Hector | $1,499 |
| Helena-West Helena | $1,552 |
| Henderson | $1,459 |
| Hensley | $1,524 |
| Hermitage | $1,695 |
| Heth | $1,476 |
| Hickory Plains | $1,476 |
| Hickory Ridge | $1,486 |
| Higden | $1,452 |
| Higginson | $1,518 |
| Highfill | $1,533 |
| Highland | $1,477 |
| Hindsville | $1,383 |
| Hiwasse | $1,469 |
| Holiday Island | $1,515 |
| Holly Grove | $1,522 |
| Hope | $1,819 |
| Horatio | $1,742 |
| Horseshoe Bend | $1,613 |
| Hot Springs | $1,454 |
| Hot Springs National Park | $1,458 |
| Hot Springs Village | $1,417 |
| Houston | $1,481 |
| Hoxie | $1,512 |
| Hughes | $1,444 |
| Humnoke | $1,504 |
| Humphrey | $1,510 |
| Hunter | $1,579 |
| Huntington | $1,494 |
| Huntsville | $1,438 |
| Huttig | $1,671 |
| Ida | $1,423 |
| Imboden | $1,441 |
| Ivan | $1,615 |
| Jacksonport | $1,619 |
| Jacksonville | $1,473 |
| Jasper | $1,569 |
| Jefferson | $1,542 |
| Jersey | $1,680 |
| Jerusalem | $1,539 |
| Jessieville | $1,449 |
| Johnson | $1,536 |
| Joiner | $1,528 |
| Jones Mill | $1,597 |
| Jonesboro | $1,458 |
| Judsonia | $1,507 |
| Junction City | $1,602 |
| Keiser | $1,594 |
| Kensett | $1,479 |
| Keo | $1,544 |
| Kibler | $1,667 |
| Kingsland | $1,687 |
| Kingston | $1,416 |
| Kirby | $1,639 |
| Knobel | $1,497 |
| Knoxville | $1,530 |
| La Grange | $1,575 |
| Lafe | $1,467 |
| Lake City | $1,445 |
| Lake Hamilton | $1,443 |
| Lake Village | $1,673 |
| Lakeview | $1,416 |
| Lamar | $1,537 |
| Lambrook | $1,578 |
| Landmark | $1,437 |
| Langley | $1,695 |
| Lavaca | $1,642 |
| Lawson | $1,640 |
| Leachville | $1,610 |
| Lead Hill | $1,539 |
| Leola | $1,491 |
| Lepanto | $1,566 |
| Leslie | $1,571 |
| Letona | $1,521 |
| Lewisville | $1,765 |
| Lexa | $1,550 |
| Lincoln | $1,492 |
| Little Flock | $1,403 |
| Little Rock | $1,480 |
| Little Rock Air Force Base | $1,618 |
| Lockesburg | $1,755 |
| Locust Grove | $1,457 |
| London | $1,492 |
| Lonoke | $1,503 |
| Lonsdale | $1,474 |
| Louann | $1,607 |
| Lowell | $1,390 |
| Luxora | $1,519 |
| Lynn | $1,517 |
| Mabelvale | $1,557 |
| Madison | $1,531 |
| Magazine | $1,543 |
| Magnolia | $1,587 |
| Malvern | $1,576 |
| Mammoth Spring | $1,529 |
| Manila | $1,622 |
| Mansfield | $1,551 |
| Marble Falls | $1,580 |
| Marcella | $1,515 |
| Marianna | $1,545 |
| Marion | $1,454 |
| Marked Tree | $1,557 |
| Marmaduke | $1,500 |
| Marshall | $1,542 |
| Marvell | $1,551 |
| Maumelle | $1,442 |
| Mayflower | $1,393 |
| Maynard | $1,422 |
| Maysville | $1,467 |
| McAlmont | $1,494 |
| McCaskill | $1,778 |
| McCrory | $1,512 |
| McDougal | $1,510 |
| McGehee | $1,620 |
| McNeil | $1,689 |
| McRae | $1,446 |
| Melbourne | $1,640 |
| Mellwood | $1,588 |
| Mena | $1,665 |
| Menifee | $1,465 |
| Midland | $1,590 |
| Midway | $1,416 |
| Mineral Springs | $1,794 |
| Minturn | $1,570 |
| Monette | $1,468 |
| Monticello | $1,635 |
| Montrose | $1,722 |
| Moro | $1,538 |
| Morrilton | $1,570 |
| Morrow | $1,486 |
| Moscow | $1,721 |
| Mount Holly | $1,582 |
| Mount Ida | $1,588 |
| Mount Judea | $1,480 |
| Mount Pleasant | $1,750 |
| Mount Vernon | $1,456 |
| Mountain Home | $1,425 |
| Mountain Pine | $1,430 |
| Mountain View | $1,630 |
| Mountainburg | $1,537 |
| Mulberry | $1,536 |
| Murfreesboro | $1,652 |
| Nashville | $1,805 |
| Natural Dam | $1,443 |
| New Blaine | $1,484 |
| New Edinburg | $1,668 |
| Newark | $1,451 |
| Newhope | $1,737 |
| Newport | $1,599 |
| Norfork | $1,495 |
| Norman | $1,589 |
| Norphlet | $1,642 |
| North Crossett | $1,710 |
| North Little Rock | $1,460 |
| O'Kean | $1,454 |
| Oak Grove | $1,549 |
| Oak Grove Heights | $1,515 |
| Oakland | $1,452 |
| Oark | $1,579 |
| Oden | $1,617 |
| Ogden | $1,750 |
| Oil Trough | $1,446 |
| Okolona | $1,600 |
| Ola | $1,644 |
| Omaha | $1,524 |
| Oneida | $1,568 |
| Onia | $1,570 |
| Osceola | $1,529 |
| Oxford | $1,711 |
| Ozan | $1,821 |
| Ozark | $1,557 |
| Ozone | $1,563 |
| Palestine | $1,549 |
| Pangburn | $1,484 |
| Paragould | $1,507 |
| Paris | $1,563 |
| Parkdale | $1,727 |
| Parkin | $1,471 |
| Parks | $1,594 |
| Paron | $1,467 |
| Parthenon | $1,553 |
| Patterson | $1,530 |
| Pea Ridge | $1,426 |
| Peach Orchard | $1,430 |
| Pearcy | $1,467 |
| Peel | $1,510 |
| Pelsor | $1,495 |
| Pencil Bluff | $1,569 |
| Perry | $1,544 |
| Perryville | $1,451 |
| Pettigrew | $1,437 |
| Pickens | $1,590 |
| Piggott | $1,454 |
| Pindall | $1,560 |
| Pine Bluff | $1,552 |
| Pineville | $1,662 |
| Piney | $1,448 |
| Plainview | $1,556 |
| Pleasant Grove | $1,592 |
| Pleasant Plains | $1,463 |
| Plumerville | $1,529 |
| Pocahontas | $1,425 |
| Pollard | $1,420 |
| Ponca | $1,572 |
| Poplar Grove | $1,520 |
| Portia | $1,551 |
| Portland | $1,704 |
| Pottsville | $1,473 |
| Poughkeepsie | $1,472 |
| Powhatan | $1,480 |
| Poyen | $1,519 |
| Prairie Creek | $1,415 |
| Prairie Grove | $1,466 |
| Prattsville | $1,515 |
| Prescott | $1,710 |
| Prim | $1,446 |
| Proctor | $1,476 |
| Pyatt | $1,617 |
| Quitman | $1,448 |
| Ratcliff | $1,531 |
| Ravenden | $1,528 |
| Ravenden Springs | $1,438 |
| Rector | $1,530 |
| Redfield | $1,541 |
| Reydell | $1,569 |
| Reyno | $1,534 |
| Rison | $1,541 |
| Rivervale | $1,545 |
| Rockwell | $1,441 |
| Roe | $1,550 |
| Rogers | $1,408 |
| Rohwer | $1,589 |
| Roland | $1,449 |
| Romance | $1,426 |
| Rose Bud | $1,500 |
| Rosie | $1,448 |
| Rosston | $1,702 |
| Rover | $1,567 |
| Royal | $1,438 |
| Rudy | $1,674 |
| Russell | $1,574 |
| Russellville | $1,475 |
| Saffell | $1,512 |
| Sage | $1,935 |
| Saint Charles | $1,428 |
| Saint Francis | $1,491 |
| Saint Joe | $1,517 |
| Saint Paul | $1,457 |
| Salem | $1,613 |
| Saratoga | $1,764 |
| Scotland | $1,446 |
| Scott | $1,548 |
| Scranton | $1,541 |
| Searcy | $1,531 |
| Sedgwick | $1,547 |
| Shannon Hills | $1,554 |
| Sheridan | $1,521 |
| Sherrill | $1,512 |
| Sherwood | $1,455 |
| Shirley | $1,491 |
| Sidney | $1,941 |
| Siloam Springs | $1,594 |
| Sims | $1,582 |
| Smackover | $1,584 |
| Smithville | $1,519 |
| Snow Lake | $1,484 |
| Solgohachia | $1,505 |
| Sparkman | $1,604 |
| Springdale | $1,447 |
| Springfield | $1,555 |
| Stamps | $1,780 |
| Star City | $1,613 |
| State University | $1,477 |
| Stephens | $1,705 |
| Story | $1,565 |
| Strawberry | $1,456 |
| Strong | $1,653 |
| Sturkie | $1,565 |
| Stuttgart | $1,482 |
| Subiaco | $1,560 |
| Success | $1,430 |
| Sulphur Rock | $1,465 |
| Sulphur Springs | $1,480 |
| Summers | $1,494 |
| Summit | $1,522 |
| Sweet Home | $1,507 |
| Swifton | $1,547 |
| Taylor | $1,687 |
| Texarkana | $1,673 |
| Thida | $1,428 |
| Thornton | $1,692 |
| Tichnor | $1,434 |
| Tillar | $1,575 |
| Tilly | $1,443 |
| Timbo | $1,585 |
| Tollette | $1,791 |
| Tontitown | $1,540 |
| Traskwood | $1,494 |
| Trumann | $1,540 |
| Tucker | $1,553 |
| Tuckerman | $1,607 |
| Tumbling Shoals | $1,420 |
| Tupelo | $1,571 |
| Turner | $1,529 |
| Turrell | $1,486 |
| Twin Groves | $1,480 |
| Tyronza | $1,546 |
| Ulm | $1,457 |
| Umpire | $1,693 |
| Uniontown | $1,685 |
| Valley Springs | $1,528 |
| Van Buren | $1,659 |
| Vandervoort | $1,671 |
| Vanndale | $1,471 |
| Vendor | $1,540 |
| Vilonia | $1,429 |
| Viola | $1,603 |
| Violet Hill | $1,692 |
| Wabash | $1,606 |
| Wabbaseka | $1,512 |
| Walcott | $1,535 |
| Waldenburg | $1,674 |
| Waldo | $1,711 |
| Waldron | $1,580 |
| Walnut Ridge | $1,501 |
| Ward | $1,410 |
| Warm Springs | $1,395 |
| Warren | $1,682 |
| Washington | $1,816 |
| Watson | $1,609 |
| Weiner | $1,621 |
| Wesley | $1,377 |
| West Crossett | $1,704 |
| West Fork | $1,416 |
| West Helena | $1,561 |
| West Memphis | $1,468 |
| West Point | $1,506 |
| West Ridge | $1,574 |
| Western Grove | $1,493 |
| Wheatley | $1,519 |
| Whelen Springs | $1,747 |
| White Hall | $1,541 |
| Wickes | $1,674 |
| Wideman | $1,639 |
| Widener | $1,478 |
| Wilburn | $1,429 |
| Williford | $1,478 |
| Willisville | $1,762 |
| Wilmar | $1,634 |
| Wilmot | $1,726 |
| Wilson | $1,557 |
| Wilton | $1,774 |
| Winchester | $1,609 |
| Winslow | $1,387 |
| Winthrop | $1,742 |
| Wiseman | $1,623 |
| Witter | $1,461 |
| Witts Springs | $1,501 |
| Woodson | $1,489 |
| Wooster | $1,397 |
| Wright | $1,569 |
| Wrightsville | $1,494 |
| Wynne | $1,500 |
| Yellville | $1,532 |
| Yorktown | $1,587 |
Home and auto insurance bundling in Arkansas
What's the ideal way by which we can lower the cost of home insurance in Arkansas? It's by bundling your auto insurance and home insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $2,037 | $1,728 | $309 | 15.17% |
Home insurance discounts in Arkansas
Utilizing the discounts provided by the major insurance companies is the simplest way to reduce the cost of homeowners insurance in Arkansas. The major insurers in the state typically offer these discounts.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
Comparing common features across top companies
Are you looking to buy the best Arkansas home insurance policy? Then check whether your insurer offers these features!
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
Common causes of home insurance claims in Arkansas
The following are the common causes that lead to home insurance claims in the state.
- Earthquakes: Arkansas is prone to earthquakes because of its location near the New Madrid seismic zone. A standard homeowners insurance policy doesn't cover earthquakes.
- Wind damage: In Arkansas, thunderstorms and the proximity to hurricanes usually bring damaging high winds and their proximity to hurricanes.
- Hail damage: Commonly brought by thunderstorms and hurricanes, roof insurance often covers hail damage.
- Theft or burglary: Arkansas has statistically above-average crime rates per 1,000 population for property crime.
Does homeowners insurance cover wind damage in Arkansas?
Mostly wind damage gets covered by homeowners insurance in Arkansas, resulting in a claim. Wind damage is one of the covered risks you can find in most insurance policies. It is true whether the wind causes damage to your home directly, such as pulling shingles from your roof, or if it does it indirectly, such as by falling a tree on your house.
Does homeowners insurance cover flooding in Arkansas?
Flood coverage is vital in the state. Typically, a home insurance policy doesn't cover flood damage, whether from rainfall or a hurricane. But you can buy a separate policy via the National Flood Insurance Program (NFIP) of FEMA or a commercial insurer to protect your house against flood damage. The coverage from private companies may vary, but the following is the coverage provided by NFIP.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that affect home insurance rates in Arkansas
Are you looking for affordable Arkansas homeowners insurance? Then it is better to consider these factors before buying one.
- Your location: The cost of your home insurance in Arkansas will be influenced by factors like ZIP Code and the crime rate in your area.
- Replacement cost: Your insurance premiums will vary depending on the cost of labor and building materials in your location.
- Age/condition : In Arkansas, insurance premiums for newer properties are always lower than those for older ones.
- Claims history: If you file claims regularly, insurers may consider you risky. Then you should expect to pay higher insurance premiums.
- Credit history: Most insurers will check your credit score before providing you with a home insurance policy. Be prepared to pay more for homeowners insurance in Arkansas if your credit score is low.
- Dog breed: Most insurers classify certain dog breeds as 'dangerous.' Your homeowners insurance premiums may increase if your insurer considers your dog so.
Tips for buying homeowners insurance
Are you looking to buy the best homeowners insurance in Arkansas? Then follow these tips.
- Assess your rebuilding costs: Ask an insurance agent or a builder how much it will cost to rebuild your home with inexpensive materials and local labor.
- Review the advantage of replacement cost over actual cash value: You might want replacement cost insurance for your home and other belongings.
- Consider add-on coverage for your expensive items: Personal property coverage may be necessary if you own expensive possessions like high-end electronics, sporting goods, musical instruments, or even antique items.
- Evaluate your liability coverage needs: Find your minimum liability insurance limit.
- Assess coverage gaps: Some insurers offer higher coverage limits for landscaping items like trees and bushes.
- Check financial ratings: All home insurers might have insurance ratings from organizations like AM Best and Standard & Poor's. For instance, some firms won't let you qualify for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Utilize every savings that your insurance provider provides.
- Compare quotes from various insurance companies: Depending on the insurer, homeowners insurance premiums in Arkansas can change. So you should compare prices from different insurers to find the best Arkansas homeowners insurance.
Most common disasters in Arkansas
Arkansas residents don't have to deal with various disasters compared to other states. Over the past few decades, severe storms, floods, and tornadoes have been Arkansas's most often reported disasters.
Disasters by month
According to FEMA, April and May are the months with the most natural disasters.
| Month | Number of disasters |
|---|---|
| January | 8 |
| February | 6 |
| March | 5 |
| April | 14 |
| May | 16 |
| June | 9 |
| July | 3 |
| August | 3 |
| September | 5 |
| October | 1 |
| November | 1 |
| December | 7 |
Disasters by year
According to FEMA, an average of two declared disasters affect the residents of Arkansas each year. There were five declared disasters in 2008, 2009, and 2020.
| Year | Number of disasters |
|---|---|
| 2001 | 1 |
| 2002 | 1 |
| 2003 | 2 |
| 2004 | 2 |
| 2005 | 1 |
| 2006 | 1 |
| 2007 | 0 |
| 2008 | 5 |
| 2009 | 5 |
| 2010 | 1 |
| 2011 | 2 |
| 2012 | 0 |
| 2013 | 3 |
| 2014 | 2 |
| 2015 | 1 |
| 2016 | 2 |
| 2017 | 1 |
| 2018 | 0 |
| 2019 | 3 |
| 2020 | 5 |
How to get Arkansas home insurance with Way.com
The average home insurance cost in Arkansas comes to around $2,037 yearly. Do you want to buy an even cheaper home insurance policy? Then Way.com can help you., Use our app or website to get quotes from all insurers. Then compare all these quotes and buy the one with the lowest Arkansas home insurance quote.
Do you require further assistance? Then our home insurance agents in Arkansas can guide you. They will help you understand the state's most complex home insurance terms, rules, coverages, and discounts. So, if you want to purchase the best home insurance in Arkansas, contact one of our insurance agents.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
How much is homeowners insurance in Arkansas?
Homeowners insurance in Arkansas costs $2,037 yearly.
Why is home insurance so high in Arkansas?
In Arkansas, home insurance rates are high due to theft, earthquakes, hail, and wind are all quite frequent. In Arkansas, hurricanes, thunderstorms, tornadoes, and a higher-than-average crime rate also contribute to a higher rate of home insurance policies.
How much is home insurance in Arkansas per month?
Arkansas home insurance costs $169.75 per month.
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