Renters Insurance in Northwest Arkansas: What College Students & Young Professionals Don’t Know

If you’re a University of Arkansas student moving into your first Fayetteville apartment or a young professional relocating to Bentonville for a job at one of the region’s Fortune 500 companies, renters insurance probably isn’t at the top of your to-do list. Between finding the perfect place near campus, coordinating furniture delivery, and figuring out where to park, insurance feels like just another expense you can skip.

That assumption could cost you everything you own.

Northwest Arkansas ranks among the fastest-growing regions in the United States, with approximately 36 people moving to the area every single day. The University of Arkansas enrolls over 30,000 students, most living in off-campus housing where average rent hovers around $935 per month for student apartments. Young professionals flood into Rogers and Bentonville to work for Walmart, Tyson Foods, and J.B. Hunt, often renting modern apartments in developments like the Pinnacle area, where up-and-coming professionals choose to live.

Here’s what most renters don’t realize: your landlord’s insurance covers absolutely nothing you own. When disaster strikes in Arkansas, with our tornadoes, hail, and severe weather, you’re completely on your own unless you have renters’ insurance.

The Myth That Costs Arkansas Renters Thousands

Walk into any apartment complex in Fayetteville’s Dickson Street area or Bentonville’s downtown district, and you’ll find hundreds of renters who believe the same dangerous myth: “My landlord’s insurance protects my stuff.”

This misconception is so pervasive that only 55% of American renters carry renters insurance, despite it being one of the most affordable forms of coverage available. Your landlord’s property insurance covers exactly two things: the building structure itself and the landlord’s legal liability for the property. Your $2,000 laptop? Not covered. Your $800 mountain bike? Not protected. The $5,000 worth of clothing, furniture, and electronics you’ve accumulated? Completely uninsured.

When a fire rips through your College Town Fayetteville apartment or a burst pipe floods your University House unit, your landlord files a claim to repair the building. You file for bankruptcy to replace everything you own unless you have renters’ insurance.

Consider what happened to University of Arkansas students during the severe weather outbreak in March 2023, when Arkansas experienced devastating tornadoes and hail that resulted in over $489 million in insurance claims. Students living in off-campus housing near campus faced destroyed vehicles, water-damaged apartments, and ruined belongings. Those with renters insurance received checks to replace their property within weeks. Those without coverage spent months trying to piece their lives back together, often going into debt or dropping classes to work extra hours.

This isn’t a hypothetical scenario. Arkansas experiences approximately 160 hail events annually, ranking among the top ten states for weather-related storm and flood damage. Northwest Arkansas faces peak tornado season between March and May, with severe thunderstorms, damaging hail, and destructive winds threatening rental properties throughout Rogers, Bentonville, Fayetteville, and Springdale.

What Renters Insurance Actually Costs in Arkansas (And Why You Can’t Afford NOT To Have It)

Let’s address the elephant in the room: price. Most college students and young professionals operate on tight budgets. Between rent, utilities, car payments, student loans, and trying to have some semblance of a social life, adding another monthly bill seems impossible.

Here’s the reality: renters insurance in Arkansas averages between $16 and $32 per month, roughly the cost of two Starbucks lattes or one dinner out. For a typical University of Arkansas student or young professional, you’re looking at $210 to $363 annually for coverage that protects everything you own.

Let’s break down what that actually means in terms of value:

For $30 per month, a standard Arkansas renters insurance policy typically includes:

• $40,000 in personal property coverage
• $300,000 in liability protection
• $1,000 deductible
• Coverage for theft, fire, vandalism, water damage, and severe weather
• Additional living expenses if your apartment becomes uninhabitable

Now, let’s calculate the real cost of going without coverage:

Average value of belongings for a University of Arkansas student:

• Laptop and electronics: $2,500
• Clothing and shoes: $3,000
• Furniture (bed, desk, dresser): $2,000
• Kitchen items and appliances: $1,000
• Textbooks and school supplies: $800
• Sports and hobby equipment: $1,200
• Personal items and miscellaneous: $1,500

Total value at risk: $12,000

That’s 40 months of renters’ insurance premiums. If you lose everything in a fire tomorrow, you’d need to work roughly 300 hours at minimum wage just to replace your basic belongings, assuming you have that time while juggling classes or a full-time job.

For young professionals living in Rogers or Bentonville, the numbers are even more striking. Factor in professional wardrobes, higher-end electronics for remote work, quality furniture, and potentially valuable items like jewelry or sports equipment, and you’re easily looking at $20,000-30,000 worth of property at risk.

The Northwest Arkansas Young Professionals organization regularly sees members facing financial devastation after uninsured losses. One member working for a Fortune 500 company in Bentonville lost $15,000 worth of property in an apartment fire. Without renters insurance, it took him two years to financially recover, despite earning a solid professional salary.

Five Critical Things Your Landlord Won’t Tell You About Arkansas Rental Coverage

When you sign your lease at Atmosphere Apartments near the University of Arkansas or The Marshall’s student housing community, your landlord has zero incentive to explain the insurance coverage gap that leaves you vulnerable. Here are the critical facts about personal insurance that property managers conveniently overlook:

1. Your Belongings Aren’t Covered Anywhere on the Property

Most renters assume that if their bike gets stolen from the apartment complex’s bike rack or their car gets broken into in the parking lot, the landlord’s insurance will cover it. Wrong. Your landlord’s policy covers damage to the physical structure and common areas like lobbies, hallways, and amenities, but not a single item you personally own, regardless of where on the property it’s located.

This becomes especially important in Northwest Arkansas’s popular student housing complexes that offer amenity-filled lifestyles. At properties like Hill Place near UARK or The Locale Fayetteville with their resort-style pools, fitness centers, and outdoor entertainment spaces, students and young professionals frequently leave valuable items in common areas. When theft occurs, and it does regularly in high-density student housing, those losses come directly out of your pocket without renters’ insurance.

2. Liability Claims Can Bankrupt You Without Coverage

Here’s a scenario that happens more often than you’d think: You’re hosting a small gathering in your Fayetteville apartment when a guest slips on your freshly mopped kitchen floor and breaks their wrist. They go to the emergency room, rack up $8,000 in medical bills, miss two weeks of work, and decide to sue you for their losses.

Without renters insurance, you’re personally liable for every dollar. Your wages can be garnished, your bank accounts seized, and your financial future destroyed, all because of one accident.

With renters insurance, your personal liability coverage handles the medical bills and legal fees up to your policy limit (typically $300,000 in Arkansas). This protection extends beyond your apartment, too. If your dog bites someone at Lake Fayetteville’s trails or you accidentally damage someone else’s property, your renters’ insurance liability coverage protects you.

For young professionals building their careers with companies like Walmart or Tyson Foods, a single liability judgment could wipe out years of savings and damage their credit for a decade. Renters insurance provides that critical liability shield for less than a dollar per day.

3. Roommate Coverage Doesn’t Work the Way You Think

Living with roommates is standard practice for University of Arkansas students and young professionals new to Northwest Arkansas. What most roommates don’t realize: if one person has renters insurance, it only covers that person’s belongings, not everyone in the apartment.

This creates a dangerous false sense of security. Your roommate at College Town Fayetteville might have excellent coverage, but when the apartment floods and ruins everyone’s belongings, their insurance company will only reimburse their items. Your destroyed property? That’s your problem.

Some insurance companies offer “roommate coverage” endorsements that can extend protection, but these must be specifically added to the policy and usually require all roommates to be named on the lease. Don’t assume you’re covered just because your roommate mentioned having insurance. Get your own policy, it’s too affordable not to.

4. “Renters Insurance Required” Clauses Are Often Unenforced

Many Arkansas landlords include renters’ insurance requirements in their lease agreements, particularly in popular student housing communities near the University of Arkansas. However, enforcement of these clauses is notoriously lax. Property management companies rarely verify coverage at move-in, and even fewer perform annual checks to ensure tenants maintain their policies.

This creates a false sense of legitimacy around going without coverage. Just because your landlord at University House Fayetteville or Alight Fayetteville didn’t force you to prove insurance doesn’t mean you don’t need it. The lease clause exists because landlords understand the financial devastation uninsured tenants face; they’re just not legally required to protect you from your own poor decisions.

More importantly, some Arkansas renters have faced lease violations and even eviction proceedings when major incidents occur, and landlords discover their tenants were uninsured despite lease requirements. Don’t risk your housing security over $30 per month.

5. Arkansas Weather Makes Renters Insurance Essential, Not Optional

If you’ve relocated to Northwest Arkansas from another state, you might not fully appreciate the region’s severe weather risks. Arkansas faces a unique combination of weather threats that make renters’ insurance absolutely critical:

• Tornado Season: March through May brings peak tornado risk, with violent storms capable of destroying entire apartment complexes in minutes
• Hail Damage: 160 annual hail events cause widespread property damage, from broken windows to destroyed vehicles parked at rental properties
• Severe Thunderstorms: High winds, lightning, and flash flooding regularly impact rental housing throughout the region
• Winter Ice Storms: Freezing rain causes power outages, burst pipes, and property damage in rental units with older infrastructure

The March 2023 tornado outbreak alone generated over $489 million in Arkansas insurance claims. Students and young professionals living in rental housing bore a significant portion of those losses, with many discovering too late that they had zero coverage for their damaged or destroyed belongings.

When emergency crews urged drivers to avoid Highway 71 and Interstate 49 during the September 2025 flash floods that brought 2-5 inches of rainfall in hours, dozens of ground-floor apartments in Rogers and Bentonville experienced water intrusion. Uninsured renters faced thousands in losses while insured tenants received full replacement coverage for their damaged property.

What Your Arkansas Renters Insurance Actually Covers (The Complete Breakdown)

Understanding exactly what renters insurance covers and what it doesn’t is critical for college students and young professionals in Northwest Arkansas. Let’s break down the four main coverage types and how they protect you in real-world scenarios:

Personal Property Coverage: Protecting Everything You Own

This is the core of your renters’ insurance policy. Personal property coverage protects your belongings from covered peril, including fire, theft, vandalism, lightning, windstorms, and certain types of water damage.

What’s covered:

• Electronics (laptops, phones, tablets, gaming systems, TVs)
• Clothing, shoes, and accessories
• Furniture and home decor
• Kitchen appliances and cookware
• Sports and hobby equipment (bikes, skis, musical instruments)
• Textbooks and school supplies
• Personal care items
• Jewelry and watches (up to sublimits, typically $1,500)

Important protection details for Arkansas renters:

Your coverage extends beyond your apartment. If your laptop gets stolen from your car parked at Dickson Street, your backpack disappears from the University of Arkansas Student Union, or someone breaks into your vehicle at the Bentonville Community Center gym, your renters’ insurance covers those losses.

This “off-premises” coverage is particularly valuable for University of Arkansas students who frequently study at coffee shops, libraries, and campus locations. Young professionals working from co-working spaces or carrying equipment to client meetings also benefit significantly from this extended protection.

Coverage limits and sublimits:

Standard Arkansas renters’ insurance policies typically offer $20,000 to $40,000 in personal property coverage. However, certain categories have sublimits that can catch renters off guard:

• Cash and currency: Usually limited to $200
• Jewelry and watches: Typically capped at $1,500 total
• Electronics theft (in some states): May have specific limits
• Firearms and collectibles: Often require additional scheduled coverage

If you own items that exceed these sublimits, such as an engagement ring worth $3,000 or a valuable guitar collection, you’ll need to schedule those items separately for additional coverage. At OZK Insurance, we help renters identify these coverage gaps before they become problems.

Liability Coverage: Your Financial Safety Net

Personal liability coverage protects you when someone is injured at your rental property or when you’re found legally responsible for damage to someone else’s property. Standard Arkansas policies provide $100,000 to $300,000 in liability coverage.

Real scenarios where liability coverage saves you:

Scenario 1: Guest Injury You’re hosting a small Super Bowl party at your Rogers apartment when a friend trips over your rug and breaks their ankle. They visit the emergency room, miss work for two weeks, and face $12,000 in medical bills. Without renters’ insurance, they could sue you personally for their losses. With coverage, your policy handles the medical payments (up to your coverage limit) and provides legal defense if they pursue a lawsuit.

Scenario 2: Accidental Property Damage You’re moving furniture in your Atmosphere Apartments unit when you accidentally knock over a lamp that starts a small fire, causing $25,000 in damage to your apartment and the unit below. Your landlord’s insurance fixes the buildings, but then they come after you for their deductible and losses. Your renters’ insurance liability coverage handles these claims.

Scenario 3: Dog Liability Your friendly dog gets startled at Lake Fayetteville and nips at another hiker, breaking skin and requiring medical attention. The injured person’s medical bills and potential lawsuit could cost tens of thousands of dollars. Renters insurance liability coverage protects you—even though the incident happened away from your home.

For young professionals building careers and college students with limited financial resources, liability coverage is arguably even more important than personal property protection. A single lawsuit could follow you for decades, destroying your credit and making it impossible to buy a home, lease a car, or even rent a nice apartment in the future. The $100,000-$300,000 liability shield provided by renters insurance creates a financial buffer that protects your future, not just your present.

Additional Living Expenses: When You Can’t Live at Home

If a covered loss makes your rental unit uninhabitable—such as a fire, severe storm damage, or a burst pipe flooding multiple rooms—your renters’ insurance provides additional living expense coverage (sometimes called “loss of use” coverage).

What this covers:

• Hotel or temporary rental costs
• Increased food expenses (restaurant meals vs. groceries)
• Storage fees for your belongings during repairs
• Pet boarding, if temporary housing doesn’t allow animals
• Additional transportation costs to maintain your normal routine

This coverage typically pays the difference between your normal living expenses and your increased costs during displacement, up to your policy limits (usually 20-30% of your personal property coverage).

Why this matters for Northwest Arkansas renters:

When severe weather or other disasters force you out of your apartment, hotels in Fayetteville, Rogers, and Bentonville can cost $100-150 per night. Eating restaurant meals instead of cooking at home adds $50-75 per day. Over weeks or months of repairs, these costs accumulate into thousands of dollars.

For University of Arkansas students, displacement during the school year creates additional stress—potentially forcing you to commute longer distances to campus or disrupting your academic schedule. Young professionals might need to maintain proximity to Walmart headquarters or other major employers, making cheap accommodations in neighboring towns impractical.

Additional living expense coverage ensures that when disaster strikes, you can maintain your normal life while your apartment gets repaired—without financial strain.

Medical Payments to Others: No-Fault Coverage

This coverage pays medical expenses (typically $1,000-$5,000) for guests injured at your rental property, regardless of who’s at fault. It’s designed to cover minor injuries quickly without the need for liability claims or lawsuits.

How it works:

Your friend cuts their hand on a broken glass at your apartment and needs stitches at the emergency room ($800 bill). Even though the injury wasn’t your fault, your medical payments coverage can pay for their treatment, preventing a potential liability claim and preserving your friendship.

This coverage is particularly valuable in college social settings where injuries during parties or gatherings could otherwise lead to awkward or confrontational situations about medical bills.

Common Coverage Gaps Arkansas Renters Must Avoid

Even with renters insurance, certain perils and situations aren’t covered by standard policies. Understanding these exclusions helps you avoid nasty surprises when filing claims:

Floods and Earthquakes: Separate Coverage Required

Standard renters insurance specifically excludes damage from floods and earthquakes—two perils that Arkansas renters face, particularly those living near rivers and streams throughout Northwest Arkansas.

The September 2025 flash floods that brought 2-5 inches of rain in hours to Rogers and Bentonville demonstrated this risk. Ground-floor apartments near creeks and drainage areas experienced water intrusion, but renters with standard policies discovered they had no coverage for flood damage.

Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or private insurers. If you’re renting in flood-prone areas near Lake Fayetteville, Beaver Lake, or any of the numerous creeks throughout Northwest Arkansas, flood coverage deserves serious consideration.

Roommates’ Belongings: Each Person Needs Coverage

We mentioned this earlier, but it bears repeating: your renters’ insurance only covers your personal property. If you have roommates, each person needs their own policy. This creates potential disputes after a loss when uninsured roommates realize they’re not protected.

Best practice: When signing a lease with roommates in Bentonville or Fayetteville, make getting renters’ insurance a group requirement. Everyone should obtain individual policies at move-in, eliminating ambiguity and protecting all residents.

Expensive Items: Require Additional Coverage

Standard policies cap coverage for certain valuable items:

• Jewelry: Usually $1,500 maximum
• Fine art and collectibles: Often limited
• Bicycles: May have specific limits (important in bike-friendly Bentonville)
• Musical instruments: Sometimes subject to sublimits

If you own expensive items, you’ll need to schedule them separately with additional coverage. This requires providing documentation (receipts, appraisals, photos) but ensures full protection for your valuable possessions.

Bed Bugs and Pest Infestations: Not Covered

Renters’ insurance specifically excludes pest control and damage from infestations. This includes bed bugs, termites, roaches, and rodents. Pest control is considered preventable maintenance, not a sudden, unforeseen event worthy of insurance coverage.

If you discover pest problems in your Arkansas rental, notify your landlord immediately—in many cases, they’re legally responsible for treatment.

Intentional Damage and Normal Wear and Tear

Insurance covers sudden, unexpected losses—not gradual deterioration or intentional acts. If your couch slowly wears out over three years, that’s normal wear and tear (not covered). If your angry ex intentionally destroys your laptop, their intentional criminal act typically isn’t covered by your renters policy (though you might have recourse through their homeowners/renters insurance or the criminal justice system).

How to Actually Get Renters Insurance (The Smart Way)

Buying renters’ insurance should take about 15 minutes from start to finish. Here’s the streamlined process for University of Arkansas students and Northwest Arkansas young professionals:

Step 1: Inventory Your Belongings

Before requesting quotes, estimate the total value of everything you own. Walk through your current living space (or imagine your new apartment) and add up:

• All electronics and appliances
• Clothing, shoes, and accessories
• Furniture and home decor
• Kitchen items
• Sports equipment, bikes, and hobby gear
• Textbooks and school supplies

Most college students estimate $10,000-15,000 in total belongings. Young professionals typically own $15,000-30,000 worth of property. This inventory helps you determine appropriate coverage amounts.

Pro tip: Take photos or video of your belongings now. Store this documentation in cloud storage. If you ever file a claim, you’ll have proof of ownership and condition.

Step 2: Understand Your Coverage Needs

Basic decisions you’ll make:

Coverage amount: How much personal property coverage do you need? Match this to your belongings inventory, but consider future purchases too. Going from $20,000 to $30,000 in coverage usually costs only a few dollars more monthly.

Deductible: This is what you pay out-of-pocket before insurance kicks in. Higher deductibles ($500-$1,000) lower your premium, while lower deductibles ($250) increase your monthly cost. For most renters, a $500 deductible strikes the right balance.

Liability limits: Standard policies offer $100,000 liability coverage, but we typically recommend $300,000 for young professionals. The cost difference is minimal, but the additional protection is substantial.

Replacement cost vs. actual cash value: Replacement cost coverage pays to replace your items at today’s prices. Actual cash value pays what your used items were worth (accounting for depreciation). Always choose replacement cost—it usually adds only $5-10 monthly, but makes an enormous difference when filing claims.

Step 3: Get Multiple Quotes (This Is Where Independent Agencies Shine)

Here’s where most University of Arkansas students and young professionals make a crucial mistake: they get a single quote from one insurance company website and assume that’s their only option.

The Arkansas renters insurance market is highly competitive, with massive price variations between carriers. State Farm might quote you $17 per month while Progressive charges $32 for identical coverage—a nearly 100% price difference for the same protection.

As an independent insurance agency, OZK Insurance shops multiple carriers simultaneously, finding you the absolute best combination of price and coverage. We represent numerous insurance companies, not just one, giving you access to competitive quotes in a single conversation.

This is especially valuable for University of Arkansas students and young professionals who:

• Have limited insurance history (fewer discounts available)
• May have recent claims or violations affecting rates
• Are you bundling with auto insurance for maximum savings
• Need specialized coverage for expensive items like bikes or electronics

Step 4: Apply Discounts to Lower Your Premium

Smart renters in Northwest Arkansas can significantly reduce their premiums by leveraging available discounts:

Bundling discount (20-25% savings): Combine renters and auto insurance with the same carrier. This is typically the single largest discount available.

Multi-policy discount: If you have any other insurance policies (auto, motorcycle, etc.), insurers often provide additional savings.

Security system discount: Many Arkansas rental complexes feature security systems, gated access, or doorbell cameras. Make sure your insurance company knows about these features—they can reduce your premium.

Claims-free discount: If you haven’t filed insurance claims recently, many carriers reward you with lower rates.

Automatic payment discount: Setting up autopay from your bank account often saves 5-10%.

Paid-in-full discount: Paying your annual premium upfront (instead of monthly) sometimes qualifies for additional savings.

Loyalty discount: After your first year with some carriers, renewal rates may decrease.

For University of Arkansas students, some insurers offer specific student discounts for maintaining good grades or being enrolled full-time. Ask your agent about education-related discounts.

Step 5: Activate Your Coverage

Once you’ve selected a policy, activation typically happens within minutes to hours. Most carriers provide instant digital proof of insurance that you can immediately email to your landlord if required by your lease.

Your policy generally begins the day you select, though you can also choose a future effective date (helpful when moving into a new apartment on a specific date).

FAQ: Renters Insurance in Northwest Arkansas

Is renters’ insurance required by law in Arkansas?

No, Arkansas does not legally require renters to carry insurance. However, many landlords and property management companies include renters insurance requirements in their lease agreements. Even when not required, renters insurance is essential financial protection that costs less than $1 per day.

How much does renters insurance cost in Fayetteville and Rogers?

Renters insurance in Arkansas averages $16-32 per month ($192-384 annually), depending on coverage amounts, deductible, and your specific situation. University of Arkansas students and young professionals typically pay around $210-300 annually for solid coverage. Bundling with auto insurance often reduces costs by 20-25%.

Does renters insurance cover my belongings if they’re stolen from my car?

Yes! Renters insurance typically covers personal property stolen from your vehicle, even if you’re parked at the University of Arkansas campus, the Walmart Home Office parking lot, or anywhere else in Northwest Arkansas. However, damage to the vehicle itself is covered by your auto insurance, not renters’ insurance.

What happens if my roommate doesn’t have renters’ insurance?

Each person needs their own renters’ insurance policy. Your coverage only protects your belongings—not your roommates’ property. If a fire destroys your shared apartment, you’ll receive payment for your losses, but your uninsured roommate will personally absorb their full loss.

Will renters’ insurance cover damage from the March tornadoes?

Standard renters insurance covers tornado damage, windstorm damage, and related perils. Arkansas’s peak tornado season (March-May) makes this coverage essential. However, flood damage from heavy rains requires separate flood insurance.

Can I get renters’ insurance if I’m subletting my apartment?

Yes, you can and should get renters’ insurance even when subletting. Your coverage should match your actual living situation. Notify your insurance company about your sublease arrangement to ensure proper coverage. Some landlords prohibit subleasing, so verify your lease terms before subletting.

Does renters’ insurance cover damage I accidentally cause to my apartment?

Renters insurance provides liability coverage if you accidentally damage your apartment, such as starting a kitchen fire or causing a flood. However, intentional damage and normal wear and tear are not covered. Your landlord’s insurance covers the building itself, but they may pursue you for their deductible if you caused the damage.

What should University of Arkansas students know about renters’ insurance?

University of Arkansas students should know that:

• Campus housing often includes basic coverage, but off-campus apartments do not
• Most student belongings total $10,000-15,000 in value (more than most students realize)
• Renters insurance costs roughly $18-25 per month for students
• Coverage extends to thefts anywhere (campus libraries, cars, gyms)
• Many student housing complexes require renters’ insurance in lease agreements
• Bundling with auto insurance creates significant savings

How do I file a renters’ insurance claim in Arkansas?

To file a claim: (1) Document the damage with photos and videos, (2) File a police report for theft or vandalism, (3) Contact your insurance company immediately to report the loss, (4) Provide your documentation and any required proof of ownership, (5) Work with the claims adjuster who may inspect the damage, (6) Receive payment after the claim is approved, minus your deductible.

Protect Your Northwest Arkansas Apartment Today

Every day you go without renters insurance is a day you’re gambling with everything you own. For University of Arkansas students balancing classes, work, and social life, and young professionals building their careers in Bentonville or Rogers, the stress of an uninsured loss can be overwhelming.

At OZK Insurance, we’ve helped thousands of Northwest Arkansas renters find affordable coverage that protects what matters most. As a 100% independent agency, we’re not locked into one company’s rates—we shop the entire Arkansas market to find you the best possible combination of coverage and price.

Whether you’re moving into your first apartment on Dickson Street, relocating to Bentonville for a Fortune 500 job, or settling into Rogers as a young professional, our team makes getting renters insurance simple and stress-free.

Getting started takes just two minutes:

1. Request a free quote online or call (479) 715-4200
2. We’ll shop multiple carriers and present your best options
3. Choose your coverage and activate your policy instantly
4. Receive digital proof of insurance to provide your landlord

Don’t wait until after disaster strikes to discover you’re uninsured. Protect everything you own for less than the cost of your daily coffee run.

About OZK Insurance: Since our founding, OZK Insurance has specialized in helping Northwest Arkansas residents find the right insurance coverage at the best possible prices. As a 100% independent agency, we represent multiple insurance carriers and work for you—not insurance companies. Our team has protected thousands of University of Arkansas students, young professionals, families, and businesses throughout Rogers, Bentonville, Fayetteville, Springdale, and all of Arkansas. We understand the unique insurance challenges facing renters in Northwest Arkansas and are committed to providing personalized service that saves you time, money, and stress.