Fort Smith Homeowners Insurance

(If you're wanting the most coverage for a good price)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Fort Smith Arkansas homeowners insurance

Home to the western frontier, Fort Smith, AR, is known for its military base. With a heritage of law enforcement and the "Wild West," this city has roots. 

When you own a home in the historic 88,037 resident town, you'll want proper protection. An independent insurance agent has access to multiple markets, saving you time and money. Connect with a local agent today. 

The Cost of Homeowners Insurance in Fort Smith, AR

The cost to insure your home could be completely different than your next-door neighbor's. Even if your property has similar characteristics, more goes into the rate than your house. Carriers use your personal data and history to determine how to price your policy. It will be useful to know the average home insurance premiums:

  • National average: $1,211
  • Arkansas average: $1,373

Your premiums can be close or far from the national and state averages. It's important to remember that other factors go into your costs. Let's look at what carriers use to rate your policy:

  • Local weather patterns/risks
  • Local crime rates
  • Your loss history 
  • Your credit score
  • The coverages you select 
  • The year, construction type, and square footage of your home
  • Discounts you may qualify for
  • Your address

Whether you live in a condo or a house in the suburbs, your costs will be unique to your situation. Connect with your Fort Smith independent agent to get quotes on your exact home pricing. 

Does Your Fort Smith, AR, Homeowners Insurance Cover Burglary?

Fort Smith has higher burglary rates per 100,000 households than the state and national figures. This could mean that your insurance costs will increase. Let's take a look at the burglaries per 100,000 homes:

  • Number of burglaries per 100,000 homes in the US: 376
  • Number of burglaries per 100,000 homes in Arkansas: 636.8
  • Number of burglaries per 100,000 homes in Fort Smith: 805.3

The good news is, there are other price-determining factors than just Fort Smith's crime rates. While the property crime does play a part in your premiums, it's only one piece of the puzzle. If you're concerned about how crime with impact your homeowners insurance, speak with your local agent. 

Liability Insurance Options for Your Fort Smith, AR, Home

Personal liability insurance is included in every home insurance policy. It is one of the most used coverages and can save you a lot of out-of-pocket expenses. When you or a household member is being sued, liability could apply. It will protect your household members in the following occurrences:

  • If a household member is sued for bullying or slander.
  • If you cause damage to a person or property by accident while away from home
  • If a guest injures themselves on your property
  • If your pet causes injury or damage to another person or property

Additional liability insurance can be found through an umbrella policy. Umbrella insurance will provide liability above and beyond your underlying home policy coverage. When your primary limits are exhausted, umbrella insurance will kick in.

While you will have coverage for accidental negligence, the loss will be denied if any of these acts are intentional. Contact a Fort Smith independent agent for liability insurance questions.  


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Homeowner's Risks in Fort Smith, AR

Severe weather, catastrophe, and natural disasters can have a significant effect on your life. If you don't have adequate coverage, your home and family may not be protected.  

Catastrophic Events in Arkansas:

  • Number of federally declared catastrophes since 1953: 78
  • Most common disasters: Severe storms
  • Number of tornadoes per year: 39

Homeowners insurance claims can happen at a moment's notice. Your home needs to be insured right the first time. Coverage should replace or repair any property damage that may occur and cover medical expenses. 

It will also provide coverage for other structures and personal belongings. When you need to rent a home or hotel due to a claim, loss of use coverage will apply. Discuss options with your local independent agent. 

Flood Insurance for Your Fort Smith, AR, Home

The second most reported exposure in Fort Smith is flooding. Unfortunately, your homeowners insurance will not provide coverage for flood damage. For this, you'll need a separate flood insurance policy. Take a look at how to get flood insurance in Fort Smith, AR:

  • Get connected with an independent agent.
  • Have your agent pull your elevation certificate to determine your property's flood zone.
  • Purchase flood insurance from the best option your agent presents.

The majority of homeowners do not own a flood insurance policy. Every property has a risk of flooding. If a loss occurs, you don't want to pay for damage on your own. Speak with your local agent to get quotes on pricing.

Why Work with an Independent Agent in Fort Smith, AR?

Homeowners insurance is an essential policy to have. When you work with a Fort Smith independent insurance agent, they have your best interests in mind. 

With access to several carriers, they can find you the best coverage for a competitive price. Connect with a local independent agent on and start better insurance now.

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