Arkansas homeowners insurance

A significant percentage of reported crimes in Arkansas relate to property theft. According to a Safewise analysis of FBI crime data, Arkansas has 23% more property-related crime than the national average, ranking sixth highest in the nation. Arkansas homeowners can financially safeguard against burglaries, break-ins, and more with affordable homeowners insurance through Progressive. A homeowners policy may cover theft and vandalism in addition to fire and weather-related damage caused by tornadoes and other storms common in the state.

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How you're covered

A typical policy in Arkansas may include the following homeowners insurance coverages:

Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
Personal property coverage (Coverage C) 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."
Loss of use coverage (Coverage D) may help 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.
Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

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.

Did you know?

Arkansas' crime property rates have steadily decreased over recent years. Some of the safest cities in Arkansas, according to Safewise, are in the Northwest and Central parts of the state, with Greenbrier ranking safest. But no matter where you live, protecting your home and personal property with Arkansas homeowners insurance may help safeguard you from the unexpected impact of theft and vandalism.

More ways to stay covered in Arkansas

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, Arkansans may want to consider:

Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Arkansas?

Progressive homeowners policies in Arkansas had an average monthly price of $152.26 or annual price of $1827.07 in 2023.^* Individual Arkansas homeowners insurance rates can be higher or lower, depending on several factors, including type of home construction, roof age, and policy deductibles.

Learn more about how much homeowners insurance costs.

Helping you save on homeowners insurance in Arkansas

Homeowners insurance discounts are a great way to save on your premium, including discounts for quoting in advance, bundling your new homeowners policy with an existing auto policy, and installing a home security system.

Keep in mind that there may be more discounts that are only available in your state or county. You can call 1-866-749-7436 to check that you're getting all discounts currently applicable to you and where you live, or speak with a local agent in Arkansas.

Compare homeowners insurance quotes in Arkansas

Easily compare Arkansas homeowners insurance policy rates and coverages from multiple companies with our HomeQuote Explorer^®. Simply enter your information and see your options instantly.

Is homeowners insurance in Arkansas required by law?

Arkansas doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Even if you've paid off your home, homeowners insurance can be crucial for protecting what is likely your most valuable asset.