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Arkansas homeowners insurance: what you need to know

The average cost of home insurance in Arkansas is $2,405 or $200 per month. 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.

Unlike car insurance, homeowners insurance isn't controlled by state legislation. Even so, major gaps exist in home insurance rates on a state-by-state basis including Arkansas. Policy prices in states may vary based on the total number and value of homeowners claims filed in that particular state, and depend on the value of the belongings and structures covered by the policy.

Get an idea of average home insurance rates in Arkansas via the below data. Remember: your rates may vary, depending on your coverage details.

 

Table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by deductible amount
  4. Rates by city
  5. Bundling savings
  6. Frequently asked questions
  7. Natural disaster coverage
 

The cheapest home insurance companies in Arkansas

Rates for home insurance in Arkansas 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 companies, listed below.

 
AFFORDABLE HOME INSURERS IN ARKANSAS
Insurance CompanyAverage Yearly Rate in Arkansas
Farm Bureau$1,795
AAA$2,242
Shelter$2,295
State Farm$2,329
Travelers2,334

 

Arkansas home insurance prices by coverage levels

The amount of homeowners coverage you elect 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.

 
POPULAR COVERAGE LIMITS IN ARKANSAS
Coverage LevelAverage Annual Cost
$100,000 Dwelling$1,152
$200,000 Dwelling$1,670
$250,000 Dwelling$2,140
$400,000 Dwelling$3,120

 

Homeowners 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 an 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 you're seeking lower home insurance premiums. Bear in mind 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 IN ARKANSAS
Deductible TierAverage Annual Homeowners Insurance Rate
$500$2,289
$1,000$2,140
$1,500$2,040
$2,000$1,950
$5,000$1,706
 

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.

 
CHEAPEST CITIES FOR HOMEOWNERS INSURANCE IN ARKANSAS
CityAverage 12-Month Home Insurance Rate
Bella Vista$1,998
Bentonville$2,047
Fayetteville$2,063
Rogers$2,075
Maumelle$2,101
 
 

Home and auto insurance bundling in Arkansas

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 can lead to a yearly discount of $167.

 
HOME AND AUTO BUNDLING DISCOUNTS IN ARKANSAS

Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,457$1,290$16713%

 


 

Arkansas homeowners insurance FAQs

 

Does Progressive offer homeowners insurance in Arkansas?

Currently, Progressive agents 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.

 


 

Natural disaster coverage in Arkansas

 

Does homeowners insurance cover flooding in Arkansas?

Flood insurance is a necessity for many in Arkansas. Flood damage — whether a byproduct of a downpour or a hurricane —is not covered by homeowners insurance policies. To insure your home against flood damage, acquire insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurer. 

Flood insurance coverage from private companies may vary, but NFIP flood insurance covers:

  • $250,000 for your home’s structure
  • $100,000 for your personal property

If the value of your personal property and home exceeds these limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection.

Find an affordable homeowners policy in Arkansas today!

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.