Property insurance in Arkansas will replace both your home and belongings. It also includes liability insurance against injuries or property damage caused by family members or household pets. Property insurance will also cover temporary living expenses while you live away from home because of a natural disaster.

Property insurance in Arkansas provides protection against fire, hail and lightning in addition to other natural disasters that are specified in the policy. However, you will need a separate policy for earthquakes and floods which are normally not covered by a standard home insurance policy. AR property insurance rates will not cover losses caused by poor maintenance.

There are three key points that will affect the cost of property insurance in AR:

1. The location of the property may require additional property insurance in AR. Property in Arkansas should also have insurance against flooding if it is in a flood plain.
2. Effective loss-control measures can control the premium for homeowners insurance in Arkansas. This most commonly refers to an alarm system.
3. Home insurance should allow you to replace detached structures in addition to rebuilding your house. These structures are typically covered up to a fixed percentage of the value of the house.
   

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of Arkansas homeowners insurance

Obtaining multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Complete the form for your home at Insure.com to get quotes for Arkansas property insurance coverage. The search function at Respond allows you to specify a city within Arkansas.

Find Arkansas homeowner insurance brokers who represent major carriers

Locate a property insurance companies in Arkansas through an agency. The agency represents a major carrier in the state and can make a recommendation based on the specific needs of your situation.

I recommend: Nationwide has agents throughout the country and has an agent search capability by name or location. State Farm sells homeowner's insurance and provides a list of agents within a specified area.

Get an Arkansas home insurance policy from a local agent

Contact Arkansas property insurance companies rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you. This method allows you greater flexibility and control over your home insurance needs.

I recommend: Southern Pioneer Property & Casualty Insurance Company specializes in homeowners insurance and is also licensed in Alabama, Kansas, Mississippi, Missouri, Oklahoma and Tennessee. The Tank Rea Insurance Agency is an independent agency that represents many major insurance agencies in Arkansas.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Property insurance companies in Arkansas will cover the contents of your house up to a specified percentage of the value of your home. You should conduct a home inventory to determine if replacement cost for the contents of your home exceeds this value. If you have a substantial amount of number of belongings outside of your home, you should consider off-premises coverage.