How to Get the Best Quote for Homeowners Insurance in Arkansas

How to Get the Best Quote for Homeowners Insurance in Arkansas

If you are a new homeowner, chances are you have a million things to do and shopping around to find the best possible rate for your homeowner’s insurance probably isn’t at the top of the list of things you want to be doing. Well, the good news is you are not alone, and you don’t have to!

With the amount of insurance companies out there that offer home insurance, it can feel daunting to have to weed through them. The good news is you don’t have to! That is what an independent insurance agent is for. When you work with an independent insurance agent, he or she will determine what your needs are and will then shop around to find out the best products for the best price.

Independent home insurance agents have access to the top insurance companies and hundreds of different products. They can help you filter through all the products and find the ones that make the most sense based on your individual needs.

Home insurance in Bentonville

If you need home insurance in Bentonville or a surrounding community, you can get the best rate by working with an independent agent who can compare various products and prices for you.  

Home insurance rates tend to be high in Arkansas because of the frequency of natural disasters. So, if you are seeking home insurance in Arkansas, it is important to shop around for the best price. A qualified independent agent knows the different products and companies that are out there and can help you make the right decision based on your specific needs.

If you work with a direct agent who only sells his or her company’s products, you might get sucked into an even higher rate on an already high product.

Why get home insurance when it is not required in Arkansas?

While Arkansas law does not require you to have home insurance, most lenders require home insurance as a condition of a mortgage. Why? Well, because natural disasters are known to happen in Arkansas and are the root of most claims.

What types of home insurance coverage should I get if I live in Arkansas?

The most common types of home insurance coverages in Arkansas involve:

  • Personal property damage
  • Personal liability in the event someone is injured while at your home
  • Dwelling insurance, which covers property damage done to your home
  • Wind/hail insurance
  • Hurricane damage
  • Additional living expenses if you are displaced from your home
  • Loss of rent if your rental property is destroyed and you relied on it as income

Want to speak with an independent home insurance agent in Arkansas?

If you need coverage and are not sure where to go, OZK Insurance can help you. We are an independent insurance agency that serves home owners in Northwest and Central Arkansas. We have extensive experience and work with various companies and products. We will listen to your needs and find you the best insurance for the best cost. To learn more about us and hear how we can help you, contact us today. 479-715-4200.

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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