How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 ResidentsAnnual insurance cost
Fort Smith$189,1688.05$1,097
Hot Springs$196,29520.00$1,392
Little Rock$211,37010.43$1,544
North Little Rock$147,5226.49$1,218
Pine Bluff$107,12015.76$960

Popular Questions about Homeowners Insurance in Arkansas

The national average cost of homeowners insurance is $1,211 annually, which is lower than the Arkansas average premium of $1,373 per year. For your exact pricing, consult with a licensed professional for custom quotes.

With Arkansas having $550.63 million in home insurance claims paid in one year alone, the proper coverage could save you from financial ruin. Since your homeowners policy is tailored to your specifications, the amount of coverage depends on your needs and property values.

Homeowners insurance covers fire, theft, vandalism, and severe weather losses. Your Arkansas limits are spread out among dwelling value, other structures, personal liability, personal property, medical payments, and additional living expense coverage.

Your Arkansas homeowners insurance costs are calculated by carriers using the following risk factors:

  • Replacement cost of home
  • Coverages selected
  • Number of past claims
  • Local crime rates
  • Number of reported local disasters

In Arkansas, you'll have your pick when it comes to home insurance carriers. However, there are a few that stand out above the rest, and they are Stillwater, State Auto, and Safeco insurance companies. These markets are highly rated due to their service and coverage selection.

Yes, Arkansas has 220 independent insurance agencies in existence. A trusted adviser from the agency you choose can help with custom quotes from highly rated carriers for free.

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