Arkansas Homeowners Insurance

Finding homeowners insurance doesn’t need to be complicated. Compare Arkansas rates by location and carrier below.

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How to get cheap insurance for your home in Arkansas


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A homeowners policy protects your home and your items in the event of an array of circumstances, including wind damage, fire, theft, vandalism, and others.

Unlike car insurance, homeowners insurance isn't priced based on state-level legislation. Even so, major gaps exist in home insurance costs from state to state. Home insurance policy rates in states may differ based on the frequency of — and value of — homeowners claims submitted in that state, and also on the value of the dwelling and belongings being insured.

The easiest way to find a cheap home insurance policy in Arkansas is to compare rates and consider policies from as many insurance companies as you can. Get an idea of average home insurance rates in Arkansas via the below data. Your rates may vary, depending on your coverage details.


Homeowners insurance in Arkansas:
  1. By company
  2. Homeowners rates by city
  3. Rates by coverage amount
  4. Rates by deductible amount
  5. Bundling
  6. FAQs

Homeowners insurance prices in Arkansas by insurer

Rates for home insurance in Arkansas will vary based on the insurer you select. Farm Bureau provides the cheapest home insurance policies in Arkansas — $1,795 yearly. This compares favorably to the state average price of $2,405, offering a $610 discount on average statewide homeowners insurance costs.

Start searching for affordable coverage by reviewing the best Arkansas home insurance carriers, listed below.


HOME INSURANCE RATES IN ARKANSAS: BY CARRIER
CompanyAverage 12-Month Rate in Arkansas
Farm Bureau$1,795
AAA$2,242
Shelter$2,295
State Farm$2,329
Travelers2,334

Arkansas homeowners insurance costs: by city

Not all Arkansas cities have the same home insurance rates. Policies are often priced on locally specific variables such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest homeowners insurance in Arkansas is found in Bella Vista. A typical home insurance term in Bella Vista totals just $1,998 annually — $407 less than the average Arkansas rate. Reference the below table to see the cheapest cities in Arkansas for home insurance.


AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN ARKANSAS
CityAverage Annual Home Insurance Rate
Bella Vista$1,998
Bentonville$2,047
Fayetteville$2,063
Rogers$2,075
Maumelle$2,101

Homeowners insurance costs in Arkansas by coverage levels

Your chosen amount of homeowners coverage determines the insurance premiums you pay . In Arkansas, carrying $200,000 dwelling coverage costs an average of $1,670 per year, while maintaining coverage up to $400,000 costs as much as $3,120 per year.


HOMEOWNERS INSURANCE RATES IN ARKANSAS — COMMON COVERAGE LIMITS
Coverage LevelAverage Annual Cost
$100,000 Dwelling$1,152
$200,000 Dwelling$1,670
$250,000 Dwelling$2,140
$400,000 Dwelling$3,120

Compare Homeowners Insurance Rates

Home insurance deductibles in Arkansas

Arkansas homeowners have a lot of decisions to make when buying a homeowners insurance policy, including how much their deductible should be. A deductible is the amount for which a homeowner is responsible before an insurance company steps in to cover costs. The deductible that you choose can have a big impact on home insurance rates.

When selecting a deductible, remember that the higher your deductible is, the lower your insurance rates will be. Therefore, you may want to think about setting a higher deductible if your are hoping to pay lower home insurance premiums. Bear in mind that your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

Take a look at the typical deductibles offered by home insurance companies and an approximation of average homeowners insurance rates.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE TIER IN ARKANSAS
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$2,289
$1,000$2,140
$1,500$2,040
$2,000$1,950
$5,000$1,706

Arkansas insurance bundling discounts: home and auto

If you want to save on insurance, consider purchasing your homeowners and car insurance policies from the same company. Bundling auto and homeowners insurance in Arkansas can lead to substantial savings on your auto insurance bill. Bundling policies in Arkansas leads to a yearly discount of $167.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN ARKANSAS
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle Savings% Savings with Bundle
$1,457$1,290$16713%

A great way to save is to bundle your auto and homeowners insurance policies. Compare rates today!



Arkansas homeowners insurance FAQs


Does Progressive offer homeowners insurance in Arkansas?

Currently, Progressive has agents able to sell homeowners policies in Arkansas.

Does GEICO offer homeowners insurance in Arkansas?

In addition to renters and auto insurance, GEICO does provide home insurance in Arkansas.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.