Arkansas Renters Insurance

Learn more about renters insurance in Arkansas.

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How to get affordable renters insurance in Arkansas

Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. Renters insurance protects items in the event of fire, smoke damage, a wind storm, vandalism or theft and a collection of other common misfortunes.

Unlike auto insurance, renters insurance isn't priced based on state laws. Even still, there are surprisingly large variations in renters insurance prices by state. Insurance policy costs in US states differ based on the total number and value of renters insurance claims filed statewide, and also on the value of the belongings covered by the policy.

Getting renters insurance in Arkansas is pricier than the US average. The typical annual renters insurance rate in Arkansas is $200, $16 more expensive than the average across America.

The easiest way to acquire affordable renters insurance in Arkansas is to get quotes from multiple insurance companies. Find out typical renters insurance rates in Arkansas by referencing the below data. Individual rates may vary depending on coverage options and the value of the items insured.

 
Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions
 

Renters insurance prices in Arkansas by company

Rates for renters insurance in Arkansas differ based on the insurance company you use. Travelers offers the most affordable renters insurance policies in Arkansas — just $167 per year. This compares favorably to the state mean rate of $200, offering a 17% price cut on rates typical to the state.

Start your search for renters insurance by viewing average rates from top Arkansas insurance companies, listed below.

 
AFFORDABLE RENTERS INSURANCE COMPANIES IN ARKANSAS
Insurance CompanyAverage Annual Rate in Arkansas
Travelers$167
Shelter$167
State Farm$183
Nationwide$185
AAA$218
 

Arkansas renters insurance costs by city

Renters insurance rates in Arkansas differ by city. Policy pricing depends on city-specific variables, including the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest renters insurance in Arkansas is found in Fayetteville. In Fayetteville, the typical renters insurance policy costs $177 per year — $50 less than the average Arkansas rate. Reference the below table to see the cheapest cities in Arkansas for renters insurance.

 
CHEAPEST CITIES FOR RENTERS INSURANCE IN ARKANSAS
CityAverage Annual Renters Insurance Rate
Fayetteville$177
Bella Vista$181
Rogers$181
Bentonville$181
Van Buren$188
 

Renters insurance in AR by coverage tier

Your renters insurance rates will vary depending on the amount of coverage you purchase. Two of the most common levels of renters insurance coverage are $25,000 and $50,000. In Arkansas, the annual cost differential between these options is approximately $72. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Annual Renters Insurance Rate in Arkansas
$25K Property$164
$50K Property$236
 

Tip: bundle auto and renters insurance in Arkansas

If you want to save on insurance, consider purchasing your renters and car insurance policies from the same company. Bundling auto and renters insurance in Arkansas can save you a substantial sum each month on auto insurance. In fact, bundling policies in Arkansas leads to a yearly savings of $102.

 
CAR AND RENTERS BUNDLING DISCOUNTS IN ARKANSAS
Avg. Annual Rate (No Bundle)Avg. Annual Rate (w/ Bundle)Annual Savings ($)Annual Savings (%)
$1,496$1,395$1027%
 

Arkansas renters insurance FAQs

 

Is renters insurance required in Arkansas?

Renters insurance is a good idea -- but not legally required -- because it protects your personal belongings ans your liability. If your lease requires you carry renters insurance, then you will need it.

What does Arkansas renters insurance cover?

You have some flexibility with your provider, but most renters policies in Arkansas will cover your contents, your liability, your medical payments to others, and your additional living expenses.



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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 contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.