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.

Do You Know What Your Arkansas Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

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
  1. $129
  2. Little Rock, AR Monthly average home insurance cost
  3. The average monthly cost of home insurance in Little Rock is $129.
  4. Because your homeowners insurance is completely customized to specific details about you and your home, your monthly premium may be higher or lower than this average. Insurance companies consider your home’s size, value, location, and other factors when they calculate your monthly rate. 
  5. Severe storms in Little Rock have been known to cause significant damage to area homes. Whether due to lightning strikes, high winds, hail, or toppled trees, this damage can be extremely expensive to repair. Sometimes, area storms even generate tornadoes. On March 1, 1997, 16 tornadoes touched down in Arkansas, two of which were within eight miles of the Little Rock city center. A direct hit by a tornado can completely level your house and destroy all of your belongings.

  1. $91
  2. Fort Smith, AR Monthly average home insurance cost
  3. The average monthly cost of home insurance in Fort Smith is $91.
  4. Keep in mind, however, that homeowners insurance rates in can vary from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the materials used in your house’s construction, the crime rate in your ZIP code, the size of your deductible, and even your credit score.
  5. Residents of Fort Smith often experience severe storms. When these storms bring prolonged, heavy rains to the area, the the Arkansas River can rise and drainage systems throughout the city can become overwhelmed. This can lead to flash flooding in Fort Smith. It is important to be aware that even though homeowners insurance covers the damage caused by severe storms, it does not cover against any accompanying flood damage.

  1. $132
  2. Fayetteville, AR Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Fayetteville is $132. 
  4. Of course, some homes cost more to insure than others, so rates are determined on a case-by-case basis. This average rate, therefore, can only give you a general idea of what you might be expected to pay. Your costs will be influenced by the size and value of your house, your claims history, your deductible amount, and other factors.
  5. Hailstorms can be a problem in Fayetteville. Hailstones that exceed one inch in diameter can do significant damage to roofs, gutters, siding, and window. In Fayetteville, residents have reported stones measuring up to 4 inches in diameter. The Fayetteville ZIP code with the most hail reports is 72701.

  1. $103
  2. Springdale, AR Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Springdale is $103.
  4. The price you are quoted by homeowners insurance companies may be different from your neighbor’s, because rates are based on several factors such as the size and value of your house, the age of your roof, your claims history, and the size of your deductible. Your quoted rate for home insurance may therefore be higher or lower than this average.
  5. One of the most devastating things that can happen to a homeowner is a residential fire. In addition to damaging the structure of your house, a fire can lead to the total loss of your personal belongings including your furniture, electronics, clothing, kitchenware, and family heirlooms. While homeowners insurance cannot bring back your precious keepsakes, it can give you peace of mind knowing that the disaster will not cause you large financial losses.

  1. $128
  2. Jonesboro, AR Monthly average home insurance cost
  3. The average monthly cost of home insurance in Jonesboro is $128.
  4. Of course, the price you may actually be quoted for coverage may differ from this amount depending on a number of factors. Your rate will be calculated according  things like the age, size, and value of your house, the crime rate and weather risks in your ZIP code, your claims history, and sometimes even your credit score. 
  5. One of the most common hazards faced by homeowners in Jonesboro is that of property crime. This city, in which residents report more than 1,000 burglaries in a typical year, has a burglary rate that is double the state average. Fortunately, your home insurance covers against property loss and damage to your house if you are the victim of a property crime like burglary or vandalism.