Bentonville, AR Home Insurance | OZK Insurance

Bentonville is home to an impressive 57,000 individuals and 21,385 housing units that have seen steady growth in population and development. The median date of construction for these properties is 2003, with nearly half – 19,573 – being occupied. Of those homes that are lived in by the citizens of this city, a remarkable 50.93% are owned by their inhabitants giving it a strong sense of community pride.

As the city continues to develop and mature, one particular need has constantly been present for Bentonville and its citizens – home insurance. Risk Factor has revealed that within the 30 years, a staggering 599 properties located in Bentonville are prone to severe flooding with an astonishing likelihood of over 26%. Floods are just a portion of the risks that residents must protect themselves and their homes against. Other potential risks include hail damage, windstorms, lightning strikes, fires, and property crime.

A surefire way to cover your home and belongings from these risks is by purchasing an effective homeowners insurance policy. Homeowners’ insurance policies are designed to offer financial protection against potential and covered losses from these hazards.

We Are a Top-Rated Home Insurance agent in Bentonville, AR

At OZK insurance, we understand the importance of finding the right coverage for your home and have invested in knowledgeable agents to provide you with a tailored solution that fits your individual needs. 

Our homeowners insurance policies provide coverage for your dwelling, personal property, additional living expenses, and liability protection in the event of a covered loss. We offer comprehensive coverage and flexible policy options, allowing you to customize your protection. Furthermore, we can provide discounts for multi-policy purchases, safety features, claims history and more.

As your local Bentonville home insurance agent, we are here to answer any questions you may have about coverage, rates, discounts and other factors that can impact the cost of your policy. Our team is committed to providing you with the best service possible while helping you find an affordable coverage option that meets your needs. Fill out our online form to get started on a quote and see what homeowners’ insurance coverage options are available for you in Bentonville, AR. We look forward to helping you protect your most valuable asset!

Your Home Insurance Coverage Options in Bentonville 

We offer a variety of coverage options, from basic homeowners insurance to supplementary policies such as flood and earthquake insurance. For those in the Bentonville area, the National Flood Insurance Program can provide additional protection for your home against flood damage. Many homes in Bentonville, AR benefit from these coverages.

  1. Actual Cash Value

A home insurance policy with “actual cash value” coverage provides financial protection in the event of a covered loss. This type of homeowners insurance policy pays you an amount equal to the current market value of your dwelling, minus depreciation.

  1. Replacement Cost Coverage

Replacement cost coverage also pays in the event of a covered loss, but instead of providing the current market value of your dwelling, this type of policy pays an amount that would cover the cost to rebuild your home with materials of similar quality and characteristics.

  1. Liability Coverage

Liability coverage is an important part of a Bentonville homeowners insurance policy, providing financial protection if you are held liable for an injury or property damage to another person.

  1. Personal Property Coverage

Personal property coverage is included in a Bentonville homeowners insurance policy, and it provides financial protection for your belongings from covered losses such as theft, fire, or vandalism.

Additional Homeowners Insurance Coverage Options

In addition to the standard home insurance coverage options, there are a variety of supplemental coverages you can purchase to further protect your valuable asset. These include flood insurance, earthquake coverage, water backup coverage, and identity theft coverage.

At times, your mortgage lender may require you to carry additional coverage for items such as a swimming pool. It is important to understand the details of your policy and how it provides protection for your unique needs.

Our experienced agents can provide you with additional information about the range of coverage options available for homeowners in the Bentonville, AR area. Don’t hesitate to contact us with any questions or concerns you may have about protecting your home.

We Offer the Best Home Insurance Rates For Bentonville

Bentonville Homeowners insurance cost ranges from $1103 to $1,679 per year, which is somewhere around the national average. Arkansas homeowners pay an average of $1,373 per year. Our team of experienced agents can help you determine the coverage limits, types of coverage and deductibles that best protect your valuable assets.

We achieve this through a five-step process to help you get the most cost-effective homeowners insurance coverage.

  1. We will review your insurance history and discuss your existing coverage.
  2. We’ll determine the dwelling coverage limits, personal property coverage limits, and liability coverage limits that are appropriate for your needs.
  3. We’ll discuss additional coverage options such as flood insurance, earthquake coverage, water backup coverage and identity theft coverage.
  4. We will review any discounts for burglar alarms, home security systems, multiple policies or other safety-related items that may be available to you.
  5. We’ll compare the coverage limits and prices of local homeowners insurance companies to help you find the best coverage for your situation.

Our commitment to providing you with the best customer service experience includes offering competitive rates, providing a full range of insurance products and protecting your home against natural disasters, financial loss, and any other type of unexpected events.

Compare Quotes from the Best Home Insurance Companies in Arkansas

Arkansas homeowners come to us to get the best home insurance rates because as independent commercial, home and auto insurance agents, we are able to compare quotes from multiple top-rated companies in the state. 

With access to a wide range of products, our experienced agents can find the policy that fits your particular needs. We’ll help you compare the dwelling coverage limits, deductibles and premiums offered by different providers to ensure that you are getting the best possible coverage and value.

Whether you need comprehensive homeowners insurance, auto insurance or specialty coverage such as flood insurance, our agents are here to help. Contact us today to get a free quote and learn more about the coverage options available to you!

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at OZK Insurance Group is here and ready to make the process as painless as possible. We look forward to meeting you!

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