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Arkansas Home Insurance

Arkansas home insurance can be purchased with varying benefits. The basic policy protects against damages caused by fire, high winds, vehicles, aircraft, smoke, vandalism, and even volcanic eruption. Of course, more expensive Arkansas homeowners insurance can offer liability protection. If someone were to have an accident on your property, the liability coverage would pay for damages.

Replacement Coverage

Arkansas home insurance offers replacement coverage by calculating actual cash value of the home, actual replacement costs, or “guaranteed replacement” costs. The “guaranteed replacement” cost pays for replacing home and personal items even if that amount exceeds the policy limits. The actual replacement method pays the market value, without any depreciation cost. Actual cash pays for replacement with market deprecation factored into the equation.

Arkansas Home Insurance Rates

Arkansas home insurance rates can differ from company to company. A home valued at $120,000 in Pulaski would cost $660.00 to insure annually through one insurer, while the same house would cost $842.00 to insure by another insurer. Arkansas homeowners insurance rates can increase or decrease depending on the area. For instance, an area that is prone to tornadoes would have a higher premium level than an area that does not have a history of them.

Fee Reductions

When choosing Arkansas home insurance, you may ask your insurance company if they provide any fee reductions for home fire detectors, deadbolt locks, and security systems. Most insurance companies offer a discount when these things are installed in a home. A homeowner could also reduce their Arkansas homeowners insurance by buying their policy from the same company they buy their car insurance. Most insurance companies provide a discount when you have more than one policy with them. Following some of these suggestions can help reduce your Arkansas home insurance rate.

Arkansas Department of Insurance

Arkansas Insurance Department
1200 West Third Street
Little Rock, AR 72201
Phone: (501)371-2600 or 1-800-282-9134

For other Arkansas Insurance Resources, See:

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