Arkansas homeowners insurance

In Arkansas, the promise of opportunity can be found throughout the state, from the growth of Little Rock, to the beautiful Ozark mountains. Progressive promises to help residents find home insurance in Arkansas. Check out the coverages and discounts available to homeowners in the Natural State.

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How you're covered

Arkansas doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage protects detached structures, such as a fence or shed.
Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others pays for medical expenses due to a covered occurrence.
Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It’s important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Arkansas

The proximity of Arkansas to Tornado Alley means that many of the biggest threats come from the sky. Your homeowners insurance policy may cover damage from strong winds to your home's structure, up to the limits of your policy and minus your deductible.

Learn more about how homeowners insurance in Arkansas may cover damage caused by severe weather.

If you live near a large body of water like Greer’s Ferry Lake or the Mississippi River, rising water levels can cause flooding issues for nearby homes. A flood insurance policy can protect your property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

Alarm System
Multi-policy
Quote in Advance
New Purchase

See more about the home insurance discounts we offer.

Pro tip:

Progressive makes shopping for home insurance easy. Our Home Quote Explorer^® tool gives you the power to compare rates and coverages from multiple companies.

How much does homeowners insurance in Arkansas cost?

Your cost for homeowners insurance in Arkansas is influenced by various factors, including your geographic location, type of home, and your coverage limits. Learn more about the factors that can affect home insurance pricing.

Are you looking to rent out a home you've purchased in Arkansas?

If you own a rental property in Arkansas, make sure it's protected with the right type of insurance policy. Learn more about landlord insurance policies and insurance for vacation or vacant homes.

Fast facts about homes in Arkansas

Former President Bill Clinton’s childhood home can be toured in the town of Hope, Arkansas. The Clinton Birthplace Foundation, Inc. preserves the two-story home.
Arkansas is home to a fully operational, double-decker outhouse at the Booger Hollow Trading Post.
Located in Piggott, the Hemingway-Pfeiffer House is where Ernest Hemingway wrote parts of his novel, A Farewell to Arms.