Rogers boasts a friendly small-town vibe while maintaining easy access to big city attractions like excellent schools, plenty of shopping opportunities, and a broad range of outdoor activities. With an affordable median home price of $160,100 and plenty of housing options for all budgets, Rogers is an attractive option for those looking to explore the booming Northwest Arkansas region.
Its suburban-rural mix provides residents with the best of both worlds—a vibrant downtown district full of restaurants, shops, and entertainment, as well as sprawling green spaces and scenic views of the Ozark Mountains. Residents enjoy a wide array of activities such as fishing, hiking, bird watching, whitewater rafting, and more.
That said, it’s important for Rogers homeowners to understand the risks associated with living in an area prone to severe weather and natural disasters. From spring and summer storms to potential floods and tornadoes, a lot can happen in and around Rogers, making it essential for homeowners to be prepared. That’s where the right home insurance comes into play.
We are a Top-Rated Rogers, AR Home Insurance Agency
OZK Insurance Agency provides superior coverage for homeowners in Rogers and the surrounding areas. We work with many different insurance companies to ensure our customers have the right coverage for their needs and budget. Our home insurance policies offer tailored coverage that includes personal belongings, personal liability, additional living expenses, and more.
Our policies can also cover health care costs and most other covered events, such as falling objects or damage caused by someone being injured on your property. We also offer optional coverages and can customize a policy to fit your specific needs, from replacement cost coverage and liability limits to dwelling limits and more.
As a customer-friendly agency, OZK Insurance Agency understands the importance of finding quality service at an affordable rate. We are committed to helping our customers find the most valuable combination of coverage and cost, so they can rest easy knowing their home is protected.
Your Rogers Home Insurance Options
You have several options when it comes to home insurance coverage in Rogers, AR.
Standard Home Insurance
Also known as HO-3, Standard Home Insurance is the most common type of homeowners insurance. It covers your dwelling, personal belongings, liability, additional living expenses, and more. This policy includes broad coverage for both named perils and open perils (with some exceptions).
HO-2 Home Insurance (Personal Property and Liability)
A HO-2 policy covers your dwelling, personal belongings, and personal liability coverage. This type of homeowners insurance is limited to named perils only, such as fire, lightning, theft, and vandalism.
HO-8 Home Insurance
This policy is designed to cover older homes that do not qualify for standard homeowners insurance. It covers your dwelling and personal property but does not include liability coverage or additional living expenses.
Renters insurance covers your personal property, liability, and additional living expenses. Renters insurance does not cover the dwelling itself, as the landlord is responsible for that.
If you own a condo, then you may want to consider purchasing condo insurance. Condo insurance covers your personal property and liability, as well as any improvements you make to the unit.
Umbrella insurance provides additional liability coverage on top of your existing homeowners insurance policy. This additional coverage is designed to kick in when the limits of your standard policy have been exceeded.
Mobile Home Insurance
Mobile home insurance covers your mobile home, personal property, liability, and additional living expenses. This policy is designed for those who own a mobile home or live in a mobile home park.
Homeowners Insurance Personal Liability Coverage Limits and Benefits
When you purchase a home insurance policy, you are protecting your property and belongings as well as the structure of your home. However, it is also important to understand the limits of your liability coverage, as well as the medical expenses that may be covered in the event someone is injured on your property.
Many home insurance policies offer liability coverage limits of up to $500,000. This limit is designed to protect your assets in the event someone sues you for damages stemming from an injury or accident on your property. This coverage also includes medical expenses, which are designed to cover the cost of treating a person injured on your property, no matter who is at fault.
With the help of OZK Insurance Agency in Rogers, AR, you can find the right home insurance coverage that suits your needs. Our team of experts will work with you to ensure you have the best coverage at an affordable rate.
Costs Associated with Home Insurance in Rogers, AR
The cost of home insurance in Rogers, AR will vary depending on the type and amount of coverage you choose. Your insurer will consider several factors when calculating the cost of your policy, including the age and condition of your home, your property, and additional living expenses.
Rogers Insurance for homeowners averages $1,444 per year, but you may be able to get a lower rate depending on your specific situation. If you choose to purchase additional coverage, such as personal belongings coverage or liability coverage, you may also have to pay additional premiums.
That said, you can take 6 steps to reduce the cost of your home insurance in Rogers, AR.
- Raise your deductible: Increasing your deductible will lower the amount you pay in premiums.
- Bundle policies: Ask your insurance company if they offer discounts for bundling your home and auto insurance.
- Improve security features: Installing deadbolts, alarm systems, and other security features may help lower your insurance rate.
- Take advantage of discounts: Check with your insurance company to see if you qualify for any discounts, such as loyalty or multi-policy discounts.
- Shop around: Get quotes from several different insurance companies to make sure you get the best rate.
- Ask questions: Don’t be afraid to ask your insurance agent about discounts and other ways to save money.
Compare Home Insurance Quotes in Rogers
Getting the best home insurance in Rogers, AR doesn’t have to be a hassle. At OZK Insurance Agency, we make it easy to compare quotes from multiple insurance companies.
Simply contact us with your information and we’ll provide you with multiple quotes from top carriers. This will make it easy for you to compare coverage and costs so you can make an informed decision about the right policy for your needs.