North Little Rock Homeowners Insurance

Your Complete Guide to North Little Rock, AR, Homeowners Insurance

When you're searching for the right coverage

North Little Rock Arkansas Homeowners Insurance

North Little Rock, AR, is home to over 65,911 residents. This mid-sized town has a median income of $40,579. If you're a homeowner in North Little Rock, there are some things you need to know.

When you work with an independent insurance agent, they can help find a policy that is right for you. They do the shopping on your behalf at no cost, so you'll save big time. Get connected to a local expert in minutes for comparable quote options.

Home Insurance Prices in North Little Rock, AR

Homeowners insurance premiums vary depending on numerous risk factors. Carriers use personal data and weather to set costs for your insurance. Let's look at the average homeowners premium.

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

Risk factors the carriers use

  • Where you live
  • How many claims you've filed
  • How new your house is
  • How close you are to a fire department
  • How close you are to a fire hydrant
  • The materials of your home
  • Your credit score
  • If you have a pool, trampoline, or pet
  • The square footage of your home
  • How much it costs to replace your home

Risk factors you can improve

  • Improving your credit score
  • Filing fewer insurance claims
  • Updating your roof, electrical, plumbing, or heating

When you need immediate savings, consider bundling. If you bundle your home and auto insurance with the same carrier, you'll save big. Usually, insurance companies give a discount of 30% or more. 

Primary Liability Insurance Coverages in North Little Rock, AR

Liability insurance is one of the most used coverages on your policy. There are two forms of liability coverage you can obtain to protect yourself and your family. Homeowners liability insurance will defend household members against the following.

  • Bodily injury to others
  • Property damage to others

There have been 5,511,270,000 home insurance claims in 2019 in the US. When umbrella insurance is used, it means your underlying limits have been exhausted. For a more substantial loss, this policy will kick in.

How Will Your North Little Rock, AR, Home Insurance Respond to a Disaster?

Your home policy needs to have protection for all the common risk exposures in North Little Rock. From weather to catastrophes, your home policy should supply enough coverage to replace and rebuild if necessary. Take a peek at the top exposures in North Little Rock, AR.

  1. Burglary and other property crimes
  2. Severe storms and lightning damage
  3. Flooding and water damage
  4. Tornadoes
  5. Severe ice storms and freezing

North's Little Rock's weather-related statistics:

The number of natural disasters in North Little Rock: 23

Major presidentially declared disasters in North Little Rock: 20

Emergencies declared in North Little Rock: 3

Let's look at the top three causes in North Little Rock

Storms: 17 declared as a disaster

Floods: 14 declared as a disaster

Tornadoes: 12 declared as a disaster

Here's why you need flood insurance

Most insureds believe that their home policy will provide protection for a flood. The truth is, unless you have a separate flood insurance policy, you'll be out of luck. Get FEMA approved quotes before it's too late.

North Little Rock, AR, Home Insurance Pricing Is Impacted by Burglaries

Insurance companies look at the crime rate in a city to determine pricing. That is one of their rating factors when assigning a premium to your homeowners policy. The more crime in an area, the worse rates you will get. Take a look at the burglaries per 100,000 households below.

  • National average: 376.00
  • Arkansas average: 636.80
  • North Little Rock average: 648.90

North Little Rock is higher than both the state and national averages when it comes to burglaries. It is more important than ever to have the proper insurance in place to cover a loss that could occur. Review your dwelling amount, personal property, and liability limits to be proactive. 

Your North Little Rock, AR, Airbnb and Insurance

The median rental payment in North Little Rock, AR, is $772 per month. When you own an investment property, a primary home policy won't do. Coverage for a short or long-term rental home will have specific insurance requirements. 

Landlord insurance can provide coverage for your interests as the owner. It will protect the exposure of revolving tenants and the liability that it brings, as well as help paying the bills if you're not able to rent out the location due to a covered loss.

Connect with an Independent Agent in North Little Rock, AR

If you've been searching for the right home insurance policy, consider using a trusted adviser. North Little Rock coverage can be confusing if you're not a licensed professional. Fortunately, an independent insurance agent can help.

They have access to several markets, saving you time and premium dollars. An independent agent does the shopping on your behalf, giving you the best rate in town. Connect with a local expert on to start saving today.

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