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Important

Why Home Insurance is Important in Arkansas

While Arkansas may not face hurricanes like coastal areas, it’s not without other hazards. Some common natural occurrences are:

  • Severe Thunderstorms & Tornadoes: Arkansas is part of Tornado Alley, making wind damage a real threat to homes.
  • Flooding Risks: Heavy rainfall can lead to flash flooding, particularly in low-lying areas near rivers and lakes.
  • Winter Storm Damage: Ice and snow can weaken roofs, damage gutters and cause burst pipes during extreme cold weather.
  • Wildfires: Hot, dry summers in certain areas can result in wildfires, posing a risk to homes in rural and forested regions.
  • Theft & Vandalism: Urban and suburban areas may experience breaking or property damage.

Understanding the risks unique to Arkansas allows homeowners to better prepare and choose a home insurance policy that provides essential protection.

Coverage

What Does Home Insurance Cover in Arkansas?

A typical homeowners insurance policy in Arkansas includes the following types of coverage:

  • Dwelling Coverage: Protects the structure of your home from perils like windstorms, fire and vandalism.
  • Personal Property Coverage: Covers your belongings, such as furniture, electronics and clothing, in case of damage or theft.
  • Liability Protection: Offers coverage if someone gets injured on your property or if you accidentally cause damage to someone else’s property.
  • Additional Living Expenses (ALE): Covers temporary housing costs if your home becomes uninhabitable due to covered damage.

Options

Additional Coverage Options for Arkansas Homeowners

Given Arkansas’s unique geographical and weather-related risks, consider enhancing your policy with additional coverage options:

  • Flood Insurance: Standard home insurance policies do not cover flood damage. A National Flood Insurance Program (NFIP) policy or a private flood policy is recommended, especially for homes in flood-prone regions.
  • Wind and Hail Coverage: Tornadoes are common in Arkansas, so you may need extra protection against wind and hail damage.
  • Ice Damage Coverage: Winter storms can lead to significant ice-related damage, and some insurers offer specific endorsements for these events.
  • Extended Replacement Cost: Helps cover rebuilding costs if construction expenses exceed your policy limit, which can happen after widespread natural disasters.

Get a Home Insurance Quote Today

Protecting your home starts with the right home insurance policy.

Goosehead is ready to help Arkansas homeowners find the perfect coverage. Whether you’re purchasing a new policy or looking for a way to save on your current one, we’ve got you covered.

Get started now. Call us or click the button below for a free, no-obligation quote.

New Customers Call 833-779-4090

Cost

How Much Does Home Insurance Cost in Arkansas?

Home insurance costs in Arkansas depend on several factors, such as:

  • Location: Homes in areas at higher risk of flooding or tornadoes typically have higher premiums.
  • Home Construction Materials & Age: Newer homes built with durable materials may qualify for lower rates.
  • Claims History: Previous claims on your property or personal claims history could raise your premium.
  • Deductible Amount: Opting for a higher deductible can lower your monthly premium.

On average, Arkansas homeowners pay roughly between $1,200 and $2,000 annually for home insurance, depending on coverage details and risk factors. At Goosehead Insurance, we’ll compare policies to ensure you get the best possible rate for the protection you need.

Save

Ways to Save on Home Insurance in Arkansas

You don’t have to break the bank to get quality home insurance. Here are a few ways to reduce your premiums:

  • Bundle Your Policies: Combine home and auto insurance for a multi-policy discount.
  • Install Security Systems: An alarm system, security cameras and deadbolt locks can lower your rate.
  • Mitigate Risks: Reinforce your roof, install storm shutters, or elevate your home if you live in a flood-prone area.
  • Shop Around: Compare policies from different insurers to find the most competitive rate. (We can help.)

Choose Goosehead

Why Choose Goosehead Insurance for Your Arkansas Home Insurance Policy?

At Goosehead we simplify the home insurance process by doing the heavy lifting for you. Here’s why homeowners trust us:

  • Multiple Carrier Comparisons. We compare policies from top-rated insurers to find you the best rate and coverage.
  • Personalized Guidance. Our experienced agents will help tailor a policy to meet your unique needs.
  • Convenience & Efficiency. Our online quote process is simple and stress-free, so you can secure coverage in minutes.



Notice of Rights to Opt Out of Sale/Sharing

Some states have enacted comprehensive privacy laws that grant their residents with the right to opt out of “targeted advertising,” “selling,” or “sharing” of personal information.
 

We or our marketing and advertising service providers may use information about your activities on our Website or other websites to help tailor our advertisements or offers to what may interest you. To opt out of these activities while using our Website move the above toggle to the left and confirm your choices below. These activities are based on online cookies and the opt-out choice is specific to this device. Should you ever clear your cookies on this browser or use another browser or device you may need to opt-out again.

Exercising your State Specific Comprehensive Privacy Rights 
To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California, Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia* law, please contact us using one of the following methods:
  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
  • Mail: you may mail a letter to exercise your privacy rights (see Contact Us below). Please include your full name, phone number, and the details of your request
*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

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