Arkansas Insurance All Your Needs in One Place

Homeowners insurance in Arkansas covers a wide range of perils (e.g., fire, theft, vandalism, and severe weather) that could potentially damage your home, your belongings, or certain other structures on your property. A homeowners insurance policy typically categorizes coverage and coverage limits as follows:

• Dwelling coverage: Covers your house and attached structures. It also covers items like plumbing, heating, and permanently installed air-conditioning systems, and electrical wiring.
• Other structures coverage: Protects other structures on the property such as detached garages, tool sheds, retaining walls, and so on. 
• Personal property coverage: Protects the contents of your home and other personal belongings owned by you or family members who live with you. 
• Loss of use coverage:  Helps you with additional living expenses if your home is damaged by a covered peril (e.g., a fire) and you cannot live in your home while repairs are being made. It typically covers expenses like housing, meals, storage, and more, as long as they are in line with your usual living expenses. 
• Personal liability coverage: Provides coverage if you or a resident of your household is responsible for causing property damage or an injury to someone else. 

A local independent insurance agent can help you find homeowners insurance in Arkansas. 

If you own a vehicle in Arkansas, you are required to purchase auto insurance. You must have the following coverage at a minimum in order to comply with the law: 

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury 
• $25,000 for property damage 

Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.

Insurance companies in Arkansas must also offer uninsured and underinsured motorist coverage, but you can waive it. Uninsured and underinsured motorist coverage protects you if you are hit by a hit-and-run driver or by a driver who does not have sufficient auto liability insurance to cover your losses. 

In addition, you can include several other coverage options in your car insurance policy in Arkansas. These include medical payments/personal injury protection, collision insurance, comprehensive insurance, gap insurance, towing and roadside assistance, rental car reimbursement, and more. 

Contact an independent auto insurance agent in Arkansas for the coverage you need. 

A comprehensive business insurance program in Arkansas will typically include the following types of coverage:

• Business property insurance
• Business interruption (loss of use) insurance
• General liability insurance 

These policies can be purchased individually or as part of a specialized package policy designed for your industry. 

Most businesses will need additional coverage for complete protection. Depending on the size of your business and the type of work that you do, you might need: 

• Workers’ compensation insurance
• Commercial auto insurance
• Commercial umbrella insurance
• Various forms of additional property or liability protection

If you operate a small business in Arkansas, you may qualify for a business owners policy, which combines property coverage, business interruption coverage, and liability coverage into one affordable package policy designed for the needs of small business owners. 

Whether you purchase your policies individually or as a package designed for your industry, your business insurance will protect you when your property is damaged or if your business is responsible for harming someone or damaging someone else’s property. 

Contact an independent business insurance agent in Arkansas for the coverage you need. 

Workers’ compensation insurance in Arkansas makes it possible for workers to pay their medical bills and be compensated for lost wages if they are injured on the job. Most employers with three or more employees are required by law to purchase workers’ compensation insurance. 

There are a few exceptions to the rule, so it’s important to understand how the law impacts your specific business. 

Workers’ compensation insurance in Arkansas includes certain benefits for injured workers:

• Medical payments: Pays for reasonably necessary medical care for an employee who gets hurt or sick because of his or her job. 
• Wage replacement: Pays cash benefits if you have to miss work because of a work-related injury or illness. These payments can help you through the period of time you are disabled due to your workplace injury or illness. 

Contact a local independent insurance agent to help you find workers’ compensation insurance in Arkansas.

Restaurant insurance in Arkansas typically consists of a group of business insurance policies that respond to unexpected events that can cause a financial loss. You need restaurant coverage to protect your business from things like fires, severe weather, theft, and accidents or injuries that occur on your property. 

Most restaurants in Arkansas need a customized package of property, liability, automobile, crime, and other business insurance policies that protect them from a variety of risks. It’s a good idea to work with an independent insurance agent in Arkansas and an insurance company that both specialize in restaurant insurance. 

If you are a local business owner who operates even one commercial vehicle, you need commercial vehicle insurance to protect your business assets when accidents happen. All Arkansas drivers, both personal and commercial, need to have a minimum amount of auto liability insurance in order to comply with state law. 

• Minimum commercial vehicle liability insurance limits: 25/50/25; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $25,000 coverage for property damage

Certain larger vehicles, vehicles that participate in interstate commerce, and vehicles that carry hazardous substances will have additional federal liability coverage requirements, depending on the type of vehicle and how it’s used.

Additional commercial vehicle insurance coverage options in Arkansas include: 

• Uninsured/underinsured motorist coverage
• Collision insurance
• Comprehensive insurance
• Towing and roadside assistance coverage

Contact an independent insurance agent in Arkansas to learn more about your commercial vehicle insurance options. 

Both your auto insurance and home insurance in Arkansas provide limited amounts of liability coverage. Liability insurance pays for repairing or replacing the damaged property of others. It also pays for medical expenses for injured parties, and it even pays your attorney fees, court costs, and any financial settlements or judgments you have to pay if you are sued. 

The policy limits included with your auto or home insurance policy may not be sufficient to cover a very large financial settlement. 

Umbrella insurance in Arkansas offers excess liability coverage that kicks in when the limits of an underlying policy—including homeowners insurance, renters insurance, condominium insurance, or auto insurance—have been exhausted. 

An umbrella insurance policy in Arkansas expanded coverage, including covering you worldwide. It might also cover a few circumstances that the underlying policy does not, such as claims for libel, slander, and false imprisonment. 

Talk to a local insurance agent in Arkansas to find the umbrella coverage you need.

Renters occupy around 34 percent of homes in Arkansas. Renters insurance in Arkansas provides a wide range of coverage that can protect your property and your financial well-being. It makes sense to purchase this affordable coverage to ensure that you can recover when your personal property is lost, damaged, or destroyed by certain unexpected events, such as fire or theft. 

In general, here’s what’s covered by renters insurance in Arkansas:

• Personal property coverage: Covers repair or replacement costs if your personal belongings are lost or damaged due to a covered event such as:
  • Fire 
  • Smoke
  • Lightning
  • Vandalism 
  • Theft (including personal items stolen from your car, but not the vehicle itself)
  • Explosion
  • Windstorm and water damage (not floods) 
• Personal liability coverage: Covers your financial obligations and legal costs if you accidentally cause injuries, property damage, or financial harm to others
• Loss of use coverage: Pays for your temporary living expenses if a covered event like a tornado causes severe damage to your home, and you must seek alternate accommodations while your landlord makes repairs

Talk to a local independent insurance agent to find renters insurance in Arkansas.

Life insurance in Arkansas is important to protect your family’s financial well-being. There are many forms and variations of life insurance, but in general, life insurance pays a lump sum death benefit to your beneficiaries in the event of your death. This money can help your family pay your debts, final expenses and estate taxes, and can even be a source of inheritance for them. 

The two main types of life insurance are:  

• Term life insurance: Provides protection for a certain period of time (e.g., 10, 20, or 30 years) and is typically used to provide for some final expenses and income replacement for your dependents. 
• Permanent life insurance: Offers a long-term savings or investment component along with survivor death benefits. 

Contact an independent insurance agent to learn more about life insurance in Arkansas.

Searching for the best and most affordable insurance products can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.

Instead of getting an online quote, find an independent insurance agent in Arkansas now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.