Arkansas Home Insurance Coverage

Whether you live in Little Rock or the rural highlands of Arkansas, your home is a big part of your life. With a Farmers FlexSM Personal Home insurance policy, you can choose quality coverage for your lifestyle today, with new ways to help you save. 

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Is homeowners insurance required in Arkansas?

No law requires you to have home insurance in Arkansas. But, your mortgage lender, if you have one, will usually require it.

Generally, how much is homeowners insurance in Arkansas?

In Arkansas, the average premium for home insurance was $1,456 per year in 2019, according to the most data recent available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums have changed in most states since then. Also, the exact amount you pay will depend on specific details about your property, such as the value of your home, its age and location the risks specific to your area and how much coverage you select.

What does homeowners insurance typically cover in Arkansas?

Every policy is different, but home insurance policies in Arkansas typically come with several standard coverages.

  • Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning, or hail.

  • Other structures (Coverage B). This coverage is intended to cover structures that aren’t connected to your home, like a fence or shed.

  • Personal property (Coverage C). This coverage helps you repair or replace your personal belongings, if they are stolen or damaged.

  • Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else, if your home is uninhabitable due to covered damage.

  • Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence. 

Typical homeowners insurance policies in Arkansas cover damage caused by:

  • Fire 
  • Vandalism and theft 
  • Windstorms 
  • Hail
  • Lightning strikes 
  • Explosions 
  • Falling objects 
  • Vehicles 
  • The weight of snow or ice

Flooding, a common risk in Arkansas, is not covered. Special flood insurance through the National Flood Insurance Program may be available. Earthquakes, which are not rare in Arkansas, aren’t covered either, but earthquake insurance may be available. 

Farmers Flex Personal Home coverage in Arkansas

Beyond the basic coverages, Farmers Flex Personal Home policies offers a wide range of options that let you customize your policy, such as:

  • Guaranteed Replacement Cost
  • Water Backup and Sump Overflow
  • Emergency Mortgage Assistance
  • Declining Deductibles®
  • Claim Forgiveness

Learn more about Farmers Flex Personal Home policies

Arkansas home insurance discounts

Farmers® also offers a variety of savings opportunities for eligible home insurance customers in Arkansas, including:

  • Welcome Discount
  • Home Buyer Discount
  • Multi-Policy Discount
  • Loyalty Discount
  • Claim Free Discount

See more information and additional discounts that may be available in Arkansas. 

The Northern Mockingbird

Gifted mimics, northern mockingbirds can sing several hundred songs and imitate the sounds of other birds, machinery, and at least 12 species of frogs and toads. — National Audubon Society

More coverage options in Arkansas

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Arkansas car insurance

Find out minimum state requirements for auto insurance in Arkansas, available discounts and more.

View car insurance coverage details for Arkansas

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Arkansas renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for Arkansas

Learn From Experience

Read more about home ownership and insuring your home.

When a Car Damages Your House

When a driver is at fault and it results in damages to your property, the driver's insurance policy would likely cover it, subject to policy terms and limits.

Is There Anything Umbrella Insurance Doesn’t Cover?

As you might know, a personal umbrella gives you extra liability coverage — in addition to the coverage you already have on your home and auto policies. Liability insurance helps cover your financial responsibility for injury to others and damage to their property. 

Renovation Regrets? This Is How, Why and Where Renovations Can Go Wrong.

To plan a perfect renovation, homeowners can spend hours curating dreamy inspiration boards of trendy designs and spectacular finishes. But what happens when the dream doesn’t match reality? 

1 Based on the average premium for HO-3 open perils homeowners policies.