{"id":324434,"date":"2025-11-11T08:38:05","date_gmt":"2025-11-11T13:38:05","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=85673"},"modified":"2025-11-12T13:49:08","modified_gmt":"2025-11-12T18:49:08","slug":"best-in-arkansas","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-arkansas\/","title":{"rendered":"The Best Homeowners Insurance Companies in Arkansas for 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overview\" title=\"The Best Homeowners Insurance Companies in Arkansas\"><\/span>\n    \n\n\n<p>Arkansas lies around 400 miles inland, so homeowners in the state don\u2019t have to be as concerned about direct hurricane strike risk as coastal states. However, severe convective storms \u2014 tornadoes, hail and straight-line winds \u2014 along with heavy rains\/flash flooding and lightning remain major hazards across Arkansas, with recent years seeing elevated severe-weather losses nationally (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion-Dollar Disasters<\/a>; <a href=\"https:\/\/www.iii.org\/article\/convective-storms-and-insurance-coverage\">Triple-I on severe convective storms<\/a>). If you live in Arkansas and are looking for the best home insurance provider to offer financial protection for your home, it may be helpful to research the following top home insurance companies.<\/p>\n\n\n\n<p>On average, recent 2025 consumer-rate analyses place typical Arkansas homeowners (HO-3) premiums around $2,800\u2013$3,500 per year for commonly modeled policies with roughly $250,000\u2013$300,000 in dwelling coverage (see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>, <a href=\"https:\/\/insurify.com\">Insurify<\/a>). By contrast, the latest state average homeowners expenditure based on NAIC data (data year 2022) compiled by the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a> is materially lower and should be viewed as a historical baseline rather than a current quote. Based on our review of availability in Arkansas, financial strength and recent satisfaction indicators, four solid choices to compare are Allstate, Auto-Owners, Travelers and USAA. To determine these carriers and who they are best for, our team considered the most recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power<\/a> scores for customer satisfaction, <a href=\"https:\/\/www.ambest.com\/ratings\/\">AM Best<\/a> scores for financial strength, coverage options, available discounts and current market pricing.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in Arkansas<\/h2>\n\n\n\n<ul>\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a> \u2013 Best for discounts and digital tools<\/li>\n\n\n\n<li><a href=\"#auto-owners\" rel=\"nofollow\" class=\"achor-toggles\">Auto-Owners<\/a> \u2013 Best for optional coverage and service<\/li>\n\n\n\n<li><a href=\"#travelers\" rel=\"nofollow\" class=\"achor-toggles\">Travelers<\/a> \u2013 Best for coverage customization and discounts<\/li>\n\n\n\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a> \u2013 Best for Military-Centric Coverage and service <\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare\" title=\"Compare\"><\/span>\n    \n\n\t\t\n<section id=\"block_622f47f2365d1\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Arkansas Homeowners Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t2021 J.D. Power Overall Satisfaction\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_622f47f2365d1-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,092<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_622f47f2365d1-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,151<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_622f47f2365d1-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,511<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>800\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_622f47f2365d1-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA**<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,519<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>882\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p>Customer satisfaction context and rankings are available in the latest <a class=\"achor-toggles\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>.<\/p>\n\n\n\n<p><em>*Most recent market analyses typically model about $250,000\u2013$300,000 in dwelling coverage<\/em><\/p>\n\n\n\n<p><em>**USAA not officially ranked by J.D. Power due to eligibility restrictions<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n\n<p>Allstate offers policyholders a wide range of options, from add-on coverage types and roof-surface loss settlement choices to varied discounts and robust digital tools. AM Best currently assigns the Allstate group an A+ (Superior) Financial Strength Rating <a href=\"https:\/\/www.ambest.com\/ratings\/\">(source)<\/a>, and its national catastrophe resources are relevant for Arkansas\u2019 wind and hail exposure.<\/p>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s wide range of discounts allows policyholders to save money based on their individual circumstances.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,092<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829\/1,000<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s wide range of discounts allows policyholders to save money based on their individual circumstances.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Wide range of discounts<\/li>\n                            <li>Robust add-on coverage types<\/li>\n                            <li>High AM Best score for financial strength<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=19232&#038;REALM=PROD\" rel=\"noopener\" target=\"_blank\">Higher NAIC complaint index score<\/a><\/li>\n                                    <li>Lower than average J.D. Power Score<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Early signing discounts<\/li>\n<li>Easy Pay Plan\u00ae<\/li>\n<li>Welcome &amp; loyalty discount<\/li>\n<li>Home buyer discount<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGE<\/h4>\n                <div> <ul>\n<li>HostAdvantage\u00ae<\/li>\n<li>Manufactured\/mobile home insurance<\/li>\n<li>Flood insurance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ALLSTATE INSURANCE REVIEW<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"auto-owners\" title=\"Best for Optional Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners&nbsp;<\/h2>\n\n\n\n<p>Auto-Owners gives policyholders the opportunity to personalize their coverage through a wide range of coverage offerings and discounts, is available through independent agents, and performs well in recent customer satisfaction studies <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">(J.D. Power)<\/a>. The company carries an A++ (Superior) Financial Strength Rating from AM Best <a href=\"https:\/\/www.ambest.com\/ratings\/\">(source)<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Optional Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers a wide range of standard and optional coverage options, making it the best homeowners insurance company for optional coverage on our list.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,151<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831\/1,000<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers a wide range of standard and optional coverage options, making it the best homeowners insurance company for optional coverage on our list.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Several coverage options<\/li>\n                            <li>High financial strength score from AM Best<\/li>\n                            <li>Wide range of discounts<\/li>\n                            <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=40258&#038;REALM=PROD\" rel=\"noopener\" target=\"_blank\">Fewer than average complaints<\/a> filed with the NAIC<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Highest average premium on our list<\/li>\n                                    <li>Not available nationwide<\/li>\n                                    <li>Must contact your local agent for a quote<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Green discount<\/li>\n<li>Advance quote discount<\/li>\n<li>Water shut-off system discount<\/li>\n<li>Automatic backup generator discount<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGE<\/h4>\n                <div> <ul>\n<li>Guaranteed home replacement cost<\/li>\n<li>Water backup of sewers or drains<\/li>\n<li>Special personal property coverage<\/li>\n<li>Ordinance or law coverage<\/li>\n<li>Identity theft expense coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">AUTO-OWNERS INSURANCE REVIEW<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/auto-owners-review\/\">Auto-Owners Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\">Auto-Owners Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"travelers\" title=\"Best for Budget-Conscious Shoppers\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Travelers<\/h2>\n\n\n\n<p>Travelers is often competitively priced for many Arkansas profiles and doesn\u2019t sacrifice quality. The company offers a wide range of discounts, including one for houses equipped with green technology, strong optional endorsements, and a highly rated mobile app for simple policy management. Travelers carries an A++ (Superior) Financial Strength Rating from AM Best.<\/p>\n\n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Budget-Conscious Shoppers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Travelers boasts the lowest average premium on our list, in addition to discounts that could lower your premium even more.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331696-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,511<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">800\/1,000<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Travelers boasts the lowest average premium on our list, in addition to discounts that could lower your premium even more.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Lowest premium on our list<\/li>\n                            <li>Highest possible AM Best score<\/li>\n                            <li>Wide range of discounts, including one for environmentally friendly homes<\/li>\n                            <li>Highly-rated mobile app<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Lower than average J.D. Power score for customer service<\/li>\n                                    <li>Not available in every state<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Early quote discount<\/li>\n<li>Loss-free discount<\/li>\n<li>Home buyer discount<\/li>\n<li>Green home discount<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGE<\/h4>\n                <div> <ul>\n<li>Additional replacement cost protection<\/li>\n<li>Jewelry and valuable items<\/li>\n<li>Personal articles floater<\/li>\n<li>Water backup and sump pump discharge or overflow<\/li>\n<li>Green home coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">TRAVELERS INSURANCE REVIEW<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/travelers-review\/\">Travelers Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\">Travelers Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.google.com\/search?q=reviews.com+Travelers+renters+Insurance+Review&amp;rlz=1C1GCEA_enUS961US961&amp;ei=imAeYueUII6hkPIPv-abmA8&amp;ved=0ahUKEwjngeekwKX2AhWOEEQIHT_zBvMQ4dUDCA4&amp;uact=5&amp;oq=reviews.com+Travelers+renters+Insurance+Review&amp;gs_lcp=Cgdnd3Mtd2l6EAMyBQgAEKIEOgcIABBHELADSgQIQRgASgQIRhgAUJMyWMk6YN49aARwAHgAgAGhAYgBsAiSAQMwLjiYAQCgAQHIAQjAAQE&amp;sclient=gws-wiz\">Travelers Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n\n<p>USAA consistently earns top-tier marks for customer satisfaction among eligible members and, as a company that only writes policies to those affiliated with the U.S. Military, specializes in offering coverage options and services that may be useful to servicemembers, veterans and their eligible families. The company also maintains strong financial strength and can be price-competitive in Arkansas, depending on your profile.<\/p>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA only writes policies for military members and their qualified families, which gives the company a keen understanding of service members\u2019 specific needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,519<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">882\/1,000<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA only writes policies for military members and their qualified families, which gives the company a keen understanding of service members\u2019 specific needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Highest J.D. Power score for customer satisfaction on our list<\/li>\n                            <li>Coverage options and services designed to meet the needs of Military service members, veterans and their families<\/li>\n                            <li>Highest possible AM Best score for financial strength<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Policies only written to military service members, veterans and qualifying family members<\/li>\n                                    <li>Fewer discounts than most competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Claims-free discount<\/li>\n<li>Protective device credit<\/li>\n<li>Bundling discount<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGE<\/h4>\n                <div> <ul>\n<li>Home sharing coverage<\/li>\n<li>Earthquake coverage<\/li>\n<li>Loss of use<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">USAA INSURANCE REVIEW<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Arkansas<\/h2>\n\n\n\n<p>The average cost of home insurance in Arkansas has risen since earlier estimates. Recent 2025 market trackers estimate typical HO-3 premiums around $2,800\u2013$3,500 per year for commonly modeled policies with roughly $250,000\u2013$300,000 in dwelling coverage (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>; <a href=\"https:\/\/insurify.com\">Insurify<\/a>). As a historical baseline, the latest NAIC-based average homeowners expenditure for Arkansas (data year 2022) published by the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a> is materially lower than current quotes. Elevated tornado\/hail activity, higher reinsurance costs, and rebuilding-cost inflation have contributed to recent increases (<a href=\"https:\/\/www.iii.org\/article\/convective-storms-and-insurance-coverage\">Triple-I<\/a>). Keep in mind that your individual premium will depend on a variety of factors, including your coverage amounts, roof age and condition, location-specific wind\/hail risk, deductible choices and available discounts.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-annual-premiums\" title=\"Average Annual Premiums\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Annual Premiums from Homeowners Insurance Companies in Arkansas<\/h2>\n\n\n\n<p>The table below features average homeowners insurance rates for companies in Arkansas, based on data from Quadrant Information Services. Rates vary by state and company, as each company uses different underwriting formulas and 2025 price levels have shifted notably in Arkansas; treat these as illustrative averages and compare current quotes from multiple carriers (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/insurify.com\">Insurify<\/a>). For this reason, homeowners may benefit from comparing quotes from multiple insurance providers.<br><\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Allstate<\/td><td>$2,092<\/td><\/tr><tr><td>Auto-Owners<\/td><td>$2,151<\/td><\/tr><tr><td>Farm Bureau Mutual<\/td><td>$1,986<\/td><\/tr><tr><td>Farmers<\/td><td>$4,076<\/td><\/tr><tr><td>Shelter<\/td><td>$2,313<\/td><\/tr><tr><td>State Auto Insurance<\/td><td>$2,372<\/td><\/tr><tr><td>State Farm<\/td><td>$2,236<\/td><\/tr><tr><td>Travelers<\/td><td>$1,511<\/td><\/tr><tr><td>USAA<\/td><td>$1,519<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Historical illustrative averages; current statewide estimates for typical coverage often fall around $2,800\u2013$3,500 per year<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-homeowners-insurance-companies\" title=\"Top 3 Cheapest Homeowners Insurance Companies in Arkansas \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Arkansas&nbsp;<\/h2>\n\n\n\n<ul>\n<li><strong>Compare multiple carriers:<\/strong> Prices vary widely by profile in 2025; include at least one national multiline option (e.g., State Farm, Allstate, Nationwide, Travelers, Farmers) when shopping.<\/li>\n\n\n\n<li><strong>Consider regional\/agency insurers:<\/strong> Shelter, Farm Bureau Insurance of Arkansas and Auto-Owners are frequently competitive in Arkansas depending on roof age, location and discounts.<\/li>\n\n\n\n<li><strong>USAA if eligible:<\/strong> For military members, veterans and qualified family, USAA is often among the best values for service and price.<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-most-expensive-companies\" title=\"Top 3 Most Expensive Homeowners Insurance Companies in Arkansas\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Arkansas<\/h2>\n\n\n\n<ul>\n<li><strong>High wind\/hail ZIP codes:<\/strong> Homes in hail- and tornado-prone areas often see higher premiums and separate wind\/hail deductibles.<\/li>\n\n\n\n<li><strong>Older or high-risk roofs:<\/strong> Roof age\/material and roof settlement terms (e.g., ACV or scheduled roofs) can significantly raise premiums or limit coverage.<\/li>\n\n\n\n<li><strong>Broader coverage and lower deductibles:<\/strong> Extended replacement cost, ordinance or law, and lower deductibles improve protection but typically increase premium.<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"home-insurance-considerations\" title=\"Arkansas Home Insurance Considerations\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Arkansas Home Insurance Considerations<\/h2>\n\n\n\n<p>Despite its proximity to the Gulf of Mexico, Arkansas homeowners don\u2019t have to worry about hurricanes as much as coastline states, since the state is about 400 miles inland. However, the state does experience frequent severe convective storms (tornadoes, hail and straight-line winds), heavy rain\/flash flooding, lightning and occasional earthquake shaking tied to the New Madrid Seismic Zone that can damage homes (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>; <a href=\"https:\/\/www.iii.org\/article\/convective-storms-and-insurance-coverage\">Triple-I<\/a>).<\/p>\n\n\n\n<p>Arkansas homeowners might want to consider purchasing flood or earthquake insurance in addition to standard home insurance coverage to provide additional financial help in the event of a loss. NFIP premiums now use property-specific pricing under Risk Rating 2.0, so shop both NFIP and private flood where available (<a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">FEMA Risk Rating 2.0<\/a>). The <a href=\"https:\/\/insurance.arkansas.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Arkansas Insurance Department\u2019s homeowners page<\/a> offers guidance on coverages, exclusions and disaster preparedness.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"helpful-resources\" title=\"Helpful Resources\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for Arkansas Homeowners<\/h2>\n\n\n\n<p>If you\u2019re experiencing any issues with your home insurance in Arkansas, resources exist to help you. The <a href=\"https:\/\/www.insurance.arkansas.gov\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Arkansas Insurance Department (AID) website<\/a> lists several links to help policyholders file complaints, find insurance policies, and get assistance with their insurance. The AID website also houses <a href=\"https:\/\/www.insurance.arkansas.gov\/pages\/consumer-services\/flood-insurance-resources\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">useful links on flood insurance<\/a>, including information on how to apply for it. These links include tips for preparing for a storm and how to avoid losses during a flood. Many of these resources are also available in Spanish. You can also review AID\u2019s <a href=\"https:\/\/insurance.arkansas.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">homeowners insurance consumer guidance<\/a> for coverage basics and shopping tips.<\/p>\n\n\n\n<p>Federal Emergency Management Agency (FEMA) services are available during natural disasters in the area. <a href=\"https:\/\/www.fema.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">FEMA\u2019s Arkansas website<\/a> lists helpful resources for managing a host of weather disasters, and links to the <a href=\"https:\/\/www.adem.arkansas.gov\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Arkansas Division of Emergency Management<\/a>, <a href=\"https:\/\/www.governor.arkansas.gov\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Arkansas Office of the Governor<\/a> and <a href=\"https:\/\/inciweb.nwcg.gov\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Inciweb &#8211; Incident Information System<\/a>. To understand how flood premiums are determined today, see FEMA\u2019s <a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">Risk Rating 2.0<\/a> overview.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently asked questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions<\/h2>\n\n\n<div id=\"block_622f4ce83661c\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does Arkansas require flood insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">By law, <\/span><a href=\"https:\/\/www.agriculture.arkansas.gov\/natural-resources\/divisions\/water-management\/floodplain-management\/flood-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">flood insurance is required in Arkansas<\/span><\/a><span style=\"font-weight: 400;\"> for buildings in high-risk flood areas, if that building is under a mortgage from a federally insured or regulated lender. The <\/span><a href=\"https:\/\/insurance.arkansas.gov\/news\/2019\/jun\/08\/myth-vs-fact-arkansas-flood-insurance-availability\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Arkansas Insurance Department<\/span><\/a><span style=\"font-weight: 400;\"> advises homeowners to purchase flood insurance even if they don\u2019t live in a high-risk flood area, since flood insurance isn\u2019t included under most standard home insurance policies and since floods can cause thousands of dollars in damage.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_622f4d0c3661d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much does home insurance cost in Arkansas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average cost of home insurance in Arkansas is $2,142 per year for $250,000 in dwelling coverage, according to data from Quadrant Information Services. The national average cost of home insurance is $830 less per year for the same amount of coverage. While home insurance in Arkansas is generally pricey, your individual home insurance premium will depend on your personal characteristics such as your claims history, the size of your home and more.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li><strong>Customer Ratings \u2014<\/strong> Customer ratings are an indication of satisfaction with the process of billing, interaction and filing a claim, amongst other indicators. We measured this using <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 J.D. Power Home Insurance Study<\/a> ratings.<\/li>\n\n\n\n<li><strong>Coverage \u2014<\/strong> As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li>\n\n\n\n<li><strong>Confidence \u2014<\/strong> It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.<\/li>\n\n\n\n<li><strong>Customer Experience \u2014<\/strong> The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.<\/li>\n<\/ul>\n\n\n\n<p>Rates and examples cited here use modeled quote data from reputable rate trackers (e.g., <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>, <a href=\"https:\/\/insurify.com\">Insurify<\/a>). These are sample figures and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $200,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $0<\/li>\n\n\n\n<li>Coverage C, Personal Property: $100,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $40,000<\/li>\n\n\n\n<li>Coverage E, Liability: $250,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,500<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Arkansas lies around 400 miles inland, so homeowners in the state don\u2019t have to be as concerned about direct hurricane strike risk as coastal states. However, severe convective storms \u2014 tornadoes, hail and straight-line winds \u2014 along with heavy rains\/flash flooding and lightning remain major hazards across Arkansas, with recent years seeing elevated severe-weather losses [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":355834,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Arkansas Homeowners Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"The annual premiums for homeowners insurance in Arkansas are higher than the country&#039;s average \u2014 $1,312 on average per year for an HO-3 policy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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