Umbrella Insurance Explained: Do Rogers Families Need It?

Most Rogers, Arkansas, families don’t realize they’re one lawsuit away from financial devastation. With a median home value in Benton County approaching $275,000 and household incomes steadily rising, Northwest Arkansas families have built substantial wealth—but often lack the liability protection to defend it. A single at-fault accident on Highway 71 or an unfortunate incident at your home could expose everything you’ve worked for to legal judgments that far exceed your standard insurance coverage.

Umbrella insurance provides this critical protection, yet it remains one of the most misunderstood and underutilized insurance products among homeowners in the Rogers area. According to recent insurance industry data, fewer than 15% of eligible American families carry umbrella coverage, despite its remarkably affordable cost—often less than $400 annually for $1 million in protection.

This comprehensive guide explains exactly what umbrella insurance is, how it works in Arkansas, who needs it, what it covers, and why OZK Insurance recommends it for most families in Northwest Arkansas with a net worth exceeding $500,000.

What Is Umbrella Insurance? The Simple Explanation

Umbrella insurance is personal liability coverage that extends beyond the limits of your existing home and auto insurance policies. Think of it as an insurance “umbrella” that opens up when your other policies reach their maximum payout limits, protecting you from devastating financial exposure.

How Standard Liability Coverage Falls Short

Your homeowners and auto insurance policies include liability coverage, which pays for injuries to others or damage to their property when you’re legally responsible. However, these standard policies have relatively modest limits:

Arkansas Auto Insurance Minimums: Arkansas law requires only $25,000 per person/$50,000 per accident in bodily injury liability, and $25,000 in property damage liability. Even if you’ve upgraded your coverage (which you should), most carriers max out auto liability at $300,000 to $500,000.

Homeowners Insurance Liability: Most Arkansas homeowners’ policies provide $300,000 to $500,000 in personal liability coverage for incidents occurring on your property or caused by household members.

These limits might seem substantial until you consider real-world scenarios that Rogers families face regularly.

When Standard Coverage Isn’t Enough: Real Arkansas Scenarios

Scenario 1: Multi-Vehicle Accident on I-49

You’re driving south on I-49 near the Pleasant Grove Road exit during evening rush hour. Distracted for just a moment, you rear-end the vehicle ahead at 65 mph, causing a chain reaction involving three other vehicles. Two people sustain serious injuries requiring hospitalization, surgery, and months of rehabilitation. Medical bills total $750,000, plus $200,000 in lost wages and $100,000 in property damage.

Your auto insurance liability limit is $300,000—the recommended amount, but far short of the $1.05 million in total damages. Without umbrella insurance, you’re personally liable for $750,000.

Scenario 2: Trampoline Injury at Your Rogers Home

Your daughter invites friends over for a birthday party. One child seriously injures herself on your backyard trampoline, suffering a spinal injury that requires emergency surgery and long-term physical therapy. The family sues for $900,000 covering medical expenses, future care needs, and pain and suffering.

Your homeowners liability coverage is $300,000. You’re exposed to $600,000 in personal liability.

Scenario 3: Dog Bite at Bentonville Farmers Market

You’re walking your dog through the Bentonville Farmers Market when he suddenly lunges at a child, causing severe facial injuries requiring reconstructive surgery. The family’s medical bills exceed $400,000, plus they sue for emotional distress and permanent disfigurement. Total judgment: $850,000.

Your homeowners policy covers $300,000. Your personal exposure: $550,000.

In each scenario, without umbrella insurance, the insurance company pays its policy limits, then you’re personally responsible for the balance. This could mean:

• Liquidating retirement accounts and college savings
• Selling your home or investment properties
• Having your wages garnished for years or decades
• Declaring bankruptcy and destroying your credit
• Losing your financial security and future earning potential

How Umbrella Insurance Actually Works

Understanding umbrella insurance’s mechanics helps you appreciate its value and recognize when it activates to protect you.

The Foundation Requirement

You cannot purchase umbrella insurance as a standalone product. It requires “underlying coverage”—minimum liability limits on your home and auto insurance that serve as the foundation. Most insurance companies require:

• Auto Insurance: $250,000 to $300,000 in bodily injury liability per accident
• Homeowners Insurance: $300,000 to $500,000 in personal liability coverage

If your current policies don’t meet these requirements, you’ll need to increase your underlying limits before adding umbrella coverage. This might increase your home and auto premiums slightly, but the comprehensive protection justifies the modest additional cost.

How Coverage Layers Work

Think of your insurance protection as a multi-layer defense system:

Layer 1 – Primary Coverage: Your auto or homeowners insurance pays first, up to its policy limits.

Layer 2 – Umbrella Activation: Once primary coverage is exhausted, your umbrella policy activates and pays the remaining amount up to its limit.

Layer 3 – Additional Coverage: Umbrella policies also cover some situations not included in standard policies, providing first-dollar coverage (after a small deductible, typically $250-$500).

A Real-World Example of Umbrella Insurance in Action

The Incident: You cause a serious accident on Highway 112 near Rogers. Three people are injured, requiring extensive hospitalization. Total damages awarded by the court: $1.2 million.

Without Umbrella Insurance:

• Your auto insurance pays: $300,000 (policy limit)
• You personally owe: $900,000
• Potential consequences: Home foreclosure, retirement account seizure, wage garnishment

With $2 Million Umbrella Insurance:

• Your auto insurance pays: $300,000 (policy limit)
• Your umbrella policy pays: $900,000 (remaining balance)
• You personally owe: $0
• Your assets remain protected

The umbrella policy saved you from financial ruin—all for a premium of approximately $25-$35 per month.

What Does Umbrella Insurance Cover? (And What It Doesn’t)

Umbrella insurance provides broad liability protection, but understanding its specific coverage areas and exclusions helps you make informed decisions.

What Umbrella Insurance Covers

Bodily Injury Liability: Medical expenses, lost wages, rehabilitation costs, and pain and suffering if you’re responsible for injuring someone in a covered incident. This includes:

• Auto accidents you cause
• Injuries sustained by visitors to your property
• Accidents caused by your children
• Sports-related injuries you cause
• Recreational vehicle accidents

Property Damage Liability: Costs to repair or replace another person’s property that you damage, including:

• Vehicles damaged in accidents you cause
• A neighbor’s fence your tree falls on
• Property damaged by your children or pets
• Rental property damage beyond security deposits

Personal Injury Claims: Coverage for non-physical injuries that most standard policies exclude or provide limited coverage for, such as:

• Libel, slander, and defamation of character
• False arrest or imprisonment
• Malicious prosecution
• Invasion of privacy
• Mental anguish and emotional distress

Legal Defense Costs: Comprehensive coverage for attorney fees, court costs, expert witness fees, and other litigation expenses. Importantly, defense costs typically don’t reduce your coverage limit—they’re paid in addition to the policy limit.

Landlord Liability: If you own rental property in Rogers, Bentonville, or elsewhere in Northwest Arkansas, umbrella insurance provides liability coverage for accidents involving tenants or their guests that exceed your landlord policy limits.

Worldwide Coverage: Unlike many insurance policies that restrict coverage geographically, umbrella policies typically provide protection anywhere in the world, making them especially valuable for families who travel internationally.

What Umbrella Insurance DOESN’T Cover

Understanding exclusions is equally important:

Your Own Injuries or Property: Umbrella insurance is liability coverage—it pays for damage you cause to others, not damage to your own property or your own medical expenses.

Business Activities: Personal umbrella policies exclude business-related liability. If you operate a business, even from home, you need separate commercial umbrella coverage. Learn about commercial insurance options.

Intentional Acts: Damage you cause deliberately isn’t covered. Insurance protects against accidents, not intentional wrongdoing.

Criminal Acts: Liability arising from criminal activities is excluded, including DUI accidents or assault claims.

Contractual Liability: Obligations you assume under a contract (like contractor liability you agree to take on) typically aren’t covered.

Professional Liability: Mistakes you make in your profession (medical malpractice, legal errors, accounting mistakes) require specialized professional liability insurance.

Business Property: Your umbrella policy won’t cover business vehicles, property, or operations. These require commercial insurance coverage.

Do Rogers Families Really Need Umbrella Insurance? The Net Worth Test

Financial advisors and insurance professionals use a simple rule: If your net worth exceeds $500,000, you almost certainly need umbrella insurance. But what does “net worth” actually mean, and how do Rogers-area families calculate theirs?

Calculating Your Net Worth: The Formula

Net Worth = Total Assets – Total Liabilities

Your Assets Include:

• Home equity (market value minus mortgage balance)
• Savings and checking account balances
• Retirement accounts (401(k), IRA, pension values)
• Investment accounts and brokerage holdings
• College savings plans (529 accounts)
• Vehicle values (cars, boats, RVs, motorcycles)
• Real estate holdings and rental properties
• Business ownership interests
• Valuable personal property (jewelry, art, collectibles)

Your Liabilities Include:

• Remaining mortgage balance
• Auto loans and leases
• Student loan debt
• Credit card balances
• Personal loans
• Home equity lines of credit
• Any other outstanding debts

The Rogers Family Example

Let’s look at a typical Rogers family’s net worth calculation:

The Johnsons: Mid-40s couple, two children in Rogers Public Schools, combined household income of $125,000

Assets:

• Home value: $350,000
• Primary residence equity: $200,000 (paid down $150,000 mortgage)
• Two vehicles: $45,000 combined value
• Retirement savings (401k/IRA): $275,000
• College savings: $40,000
• Savings/checking: $25,000
• Personal property: $35,000

Total Assets: $620,000

Liabilities:

• Remaining mortgage: $150,000
• Auto loans: $28,000
• Credit cards: $5,000

Total Liabilities: $183,000

Net Worth: $620,000 – $183,000 = $437,000

While the Johnsons’ net worth is below the $500,000 threshold, they’re approaching it and should seriously consider umbrella insurance, especially considering:

1. Their future earning potential over the next 20 years
2. Expected home appreciation in the Rogers market
3. Continued retirement account growth
4. Active lifestyle with two teenage drivers

Why Future Earnings Matter

Courts can garnish up to 25% of your future wages to satisfy judgments. For the Johnson family earning $125,000 annually, that represents $31,250 per year in potential garnishment. Over just five years, their vulnerable future earnings total $625,000—suddenly their total exposure exceeds $1 million when combining current assets with near-term income.

Special Considerations for Rogers-Area Families

Northwest Arkansas families face unique factors that increase umbrella insurance importance:

High Growth Market: Benton and Washington County property values have appreciated dramatically. Your home equity grows annually, increasing your net worth and liability exposure.

Excellent Public Schools: Rogers, Bentonville, and surrounding areas attract families specifically for school quality. Teen drivers create significant liability exposure—auto accidents are the leading source of umbrella claims.

Active Outdoor Lifestyle: Beaver Lake recreation, mountain biking trails, and outdoor entertainment mean trampolines, pools, boats, and RVs—all create liability exposures.

Small Business Ownership: Northwest Arkansas has a thriving entrepreneurial community. Business owners with personal wealth need both personal umbrella and commercial umbrella coverage.

Corporate Professionals: Walmart, Tyson, JB Hunt, and other major employers create a population of professionals with substantial retirement accounts and stock options—significant assets to protect.

What Does Umbrella Insurance Cost in Arkansas?

One of umbrella insurance’s most attractive features is its remarkably affordable cost relative to the protection it provides.

Typical Arkansas Umbrella Insurance Costs

According to insurance industry data and our experience serving Northwest Arkansas families at OZK Insurance, typical umbrella insurance premiums are:

$1 Million Coverage: $150-$300 annually ($12.50-$25 per month) $2 Million Coverage: $250-$400 annually ($21-$33 per month) $3 Million Coverage: $350-$500 annually ($29-$42 per month) $5 Million Coverage: $450-$700 annually ($38-$58 per month)

These costs assume average risk profiles—meaning no recent major claims, reasonable underlying coverage limits, and typical family circumstances.

Factors That Influence Your Premium

Several factors affect your specific umbrella insurance cost:

Coverage Amount: Higher limits naturally cost more, but umbrella insurance becomes more cost-effective per dollar of coverage as limits increase. Going from $1 million to $2 million might only cost $100-$150 more annually—excellent value.

Risk Profile: Insurance companies assess your likelihood of claims based on:

• Number of vehicles and drivers in your household
• Teen drivers (significantly increase premiums)
• Prior liability claims or lawsuits
• Swimming pools, trampolines, or other attractive nuisances
• Dog ownership, especially breeds with bite histories
• Rental property ownership
• Business activities
• Recreational vehicles (boats, ATVs, motorcycles)

Credit History: In Arkansas, insurance companies can use credit-based insurance scores to determine premiums. Better credit typically results in lower umbrella insurance costs.

Underlying Coverage Limits: Higher underlying limits on your auto and homeowners policies may slightly reduce umbrella premiums since there’s less likelihood of the umbrella policy activating.

Claims History: A history of liability claims—even if covered by your primary policies—signals higher risk and increases umbrella premiums.

Bundling Discounts: Most insurers offer substantial discounts (15-25%) when you bundle umbrella insurance with your auto and homeowners policies from the same carrier.

The True Cost-Benefit Analysis

Consider this: A Rogers family with $2 million in umbrella coverage pays approximately $325 annually. That’s less than one dollar per day for protection against financial devastation.

Compare that to potential losses:

• Without Umbrella: A $1.5 million judgment could cost you your home, retirement savings, and decades of garnished wages
• With Umbrella: Your $325 annual premium protects all your assets

It’s arguably the best value proposition in all of insurance.

How Much Umbrella Insurance Should Rogers Families Carry?

Determining the right coverage amount requires analyzing your specific situation, not following generic rules.

The Standard Recommendation: Match or Exceed Your Net Worth

Most financial advisors recommend umbrella coverage that equals or exceeds your current net worth. This ensures that even if you face a maximum-liability judgment, your assets remain protected.

Using our earlier example of the Johnson family with $437,000 in net worth, they should carry at least $1 million in umbrella coverage (the minimum amount available). However, several factors suggest they should consider $2 million:

1. Their combined future earnings over five years exceed $600,000
2. Their home equity will likely appreciate to $250,000+ within 3-5 years
3. Two teenage drivers create an elevated accident risk
4. Total vulnerable assets (current + near-term) exceed $1 million

Beyond Net Worth: Additional Risk Factors

Certain situations warrant higher coverage regardless of net worth:

Teen Drivers in the Household: Young drivers dramatically increase accident likelihood. A Rogers family with two teens might carry $2-3 million even with modest current assets due to elevated risk.

Swimming Pools or Trampolines: “Attractive nuisances” that draw neighborhood children create injury liability. Many insurance professionals recommend an extra $1 million for pools.

Rental Property Ownership: Each rental property adds liability exposure. Many landlords carry $2-5 million in umbrella coverage, depending on their portfolio size.

Small Business Owners: Even with separate business insurance, personal assets can be vulnerable in lawsuits. Business owners often carry $3-5 million in personal umbrella coverage.

High Public Profile: Public figures, business owners visible in the community, or anyone with perceived wealth may be targeted for lawsuits. Higher coverage provides stronger protection.

Frequent Entertaining: If you regularly host parties, pool gatherings, or events at your Rogers home, increased guest traffic elevates injury risk.

Dog Ownership: While most homeowner’s policies cover dog bites, large dogs or breeds with bite histories create elevated risk. Extra umbrella coverage provides additional protection.

International Travel: If your family travels internationally frequently, higher umbrella limits provide more robust worldwide protection.

Coverage Amount Guidelines for Northwest Arkansas Families

Based on our experience at OZK Insurance serving Rogers, Bentonville, and Fayetteville families, here are typical coverage recommendations:

$1 Million Coverage: Appropriate for families with:

• Net worth $300,000-$700,000
• No teen drivers
• No swimming pools or high-risk exposures
• Single-family home, no rental properties
• Modest investment portfolios

$2 Million Coverage: Recommended for families with:

• Net worth $700,000-$1.5 million
• Teen drivers or young adults in the household
• Swimming pools, trampolines, or boats
• One rental property
• Higher community visibility

$3-5 Million Coverage: Essential for families with:

• Net worth exceeding $1.5 million
• Multiple rental properties
• Small business ownership
• Significant public visibility
• Substantial investment portfolios
• High-risk recreational activities

$5+ Million Coverage: Necessary for:

• High net worth individuals ($5 million+ assets)
• Significant business ownership
• High public profile
• Multiple high-risk exposures

Remember, umbrella insurance becomes more cost-effective as limits increase, so many families find that moving from $1 million to $2 million costs only $100-150 more annually—excellent value for doubled protection.

The Growing Importance of Umbrella Insurance in 2025

Recent trends make umbrella insurance more critical than ever for Arkansas families.

Skyrocketing Jury Verdicts: The “Nuclear Verdict” Phenomenon

The insurance industry is experiencing an alarming trend called “nuclear verdicts”—jury awards exceeding $10 million. According to Marathon Strategies, nuclear verdicts increased 27% from 2022 to 2023, with the median award rising to $44 million. In 2024, the number climbed to 135 cases, a 52% increase, with total awards reaching $31.3 billion.

While Arkansas doesn’t rank among the top states for nuclear verdicts, the trend affects the entire insurance market. More importantly, verdicts don’t need to reach “nuclear” levels to devastate families—a $2-3 million judgment ruins most households lacking umbrella coverage.

Social Inflation: Rising Litigation Costs

“Social inflation” refers to claim severity increases exceeding normal economic inflation. Multiple factors drive this phenomenon:

Aggressive Plaintiff Attorneys: Television, billboard, and digital advertising by personal injury attorneys has normalized lawsuit culture. “One call, that’s all” marketing makes filing suit easier than ever.

Third-Party Litigation Funding: Investment firms now fund lawsuits in exchange for settlement percentages, removing financial barriers preventing people from suing. Plaintiffs can pursue cases without personal financial risk.

Sympathetic Juries: Jurors increasingly award larger amounts, particularly against defendants perceived as wealthy. If you live in an upscale Rogers neighborhood or drive a luxury vehicle, juries may view you as able to afford large judgments.

Higher Medical Costs: Injury-related medical expenses have skyrocketed. What might have been a $50,000 injury claim in 2010 now frequently exceeds $200,000 due to increased healthcare costs.

Rising Arkansas Property Values

Northwest Arkansas property values have appreciated dramatically over the past decade. A home purchased in Rogers for $200,000 ten years ago might now be worth $350,000+. This appreciation increases your net worth and makes you a more attractive lawsuit target.

Distracted Driving Epidemic

Smartphone usage has created unprecedented distracted driving risks. Arkansas roads see constant accidents from drivers texting, scrolling social media, or using navigation apps. Your likelihood of causing a serious accident—or being involved in one caused by others—has never been higher.

The Insurance Market Response

These trends are forcing insurance companies to adjust umbrella policies:

Premium Increases: Umbrella insurance premiums rose 9.26% in Q1 2025 compared to Q4 2024, with further increases expected. While still affordable, costs are rising.

Reduced Capacity: Many insurers have lowered maximum umbrella limits from $5 million to $2-3 million, making it harder to secure high-limit coverage.

Stricter Underwriting: Insurance companies are becoming more selective, requiring higher underlying limits, conducting more thorough risk assessments, and declining higher-risk applicants.

Market Volatility: The personal umbrella market experienced a combined ratio of approximately 200% in 2024, meaning insurers paid out twice as much in claims as they collected in premiums—an unsustainable situation driving market changes.

The message is clear: Now is the time to secure umbrella coverage before it becomes more expensive or harder to obtain.

Common Umbrella Insurance Questions from Rogers Families

“Can I Buy Umbrella Insurance from a Different Company Than My Auto/Home Insurance?”

Yes, but it’s typically more expensive and complicated. Most families get the best value bundling umbrella coverage with their existing auto and homeowners policies. Bundling provides:

• Discount pricing (15-25% savings is common)
• Simplified claims process with a single insurer
• No coordination issues between multiple companies
• Easier management with one agent and renewal date

However, as an independent agency, OZK Insurance can find you the optimal structure whether that’s bundling everything with one carrier or strategically placing policies with different companies for the best overall value.

“Do I Need Umbrella Insurance If I Have Limited Assets?”

Even young Rogers families with modest current assets should consider umbrella insurance because:

Future Earnings Are Vulnerable: Courts can garnish up to 25% of your wages for years or decades to satisfy judgments. Your future earning potential is an asset that needs protection.

Asset Growth: If you’re in your 30s or 40s, your net worth will likely grow substantially over the coming decades. Establishing umbrella coverage now protects your future wealth.

Affordability: At $150-300 annually for $1 million in coverage, umbrella insurance is remarkably affordable even for families with tight budgets.

“Will Umbrella Insurance Cover My Teen Driver?”

Yes—umbrella policies cover all household members, including teen drivers. In fact, having teens is one of the strongest reasons to carry umbrella coverage since young drivers account for a disproportionate share of serious accidents.

However, expect higher premiums with teen drivers. Insurance companies recognize this elevated risk and price accordingly. The increased cost is worthwhile given the protection umbrella insurance provides.

“What Happens If I’m Sued in an Umbrella Claim?”

Your insurance company provides complete legal defense, including:

• Hiring and paying for experienced attorneys
• Covering all court costs and legal fees
• Providing expert witnesses if needed
• Negotiating settlements on your behalf
• Taking the case to trial if necessary

Importantly, defense costs typically don’t reduce your coverage limit—they’re paid in addition to the policy maximum. This means you get full legal representation plus your full policy limit to cover judgments or settlements.

“Can I Get Umbrella Insurance If I Have a Prior DUI or At-Fault Accident?”

Previous incidents make umbrella insurance more expensive and may disqualify you with some carriers, but coverage is usually still available. As an independent agency with access to 20+ insurance companies, OZK Insurance can find umbrella coverage even for higher-risk applicants—we’re not limited to one company’s underwriting guidelines.

“Does Umbrella Insurance Cover Lawsuits Against My Business?”

No—personal umbrella policies exclude business liability. If you own a business, you need separate commercial umbrella coverage. Many Northwest Arkansas business owners carry both:

• Personal Umbrella: Protects personal assets from personal liability (auto accidents, home incidents, personal injury claims)
• Commercial Umbrella: Protects business assets from business liability (customer injuries, employee accidents, product liability)

Learn more about commercial insurance for your Northwest Arkansas business.

How to Get Umbrella Insurance in Rogers, Arkansas

Obtaining umbrella coverage is straightforward when working with an experienced independent insurance agency.

Step 1: Review Your Current Coverage

Before adding umbrella insurance, verify your existing auto and homeowners liability limits. You’ll need:

• Auto Liability: Typically $250,000-$300,000 per accident
• Homeowners Liability: Usually $300,000-$500,000

If your current limits are lower, you’ll need to increase them first. OZK Insurance can help you review and adjust your existing coverage to meet umbrella policy requirements.

Step 2: Calculate Your Net Worth and Risk Exposure

Use the formula discussed earlier to determine your current net worth, then consider:

• Future earning potential over the next 5-10 years
• Expected asset appreciation (especially home equity)
• Risk factors (teen drivers, pools, rental properties, etc.)
• Lifestyle and activities that create liability exposure

Step 3: Get Multiple Quotes

As an independent agency, OZK Insurance compares umbrella policies from over 20 insurance companies, finding you the best combination of coverage, price, and service. We consider:

• Bundling opportunities for maximum discounts
• Coverage differences between carriers
• Financial strength ratings ensuring your insurer can pay claims
• Claims handling reputation for peace of mind when you need coverage most

Step 4: Review and Purchase

Once we’ve found the optimal coverage, we’ll explain:

• Exactly what your policy covers and excludes
• Your total cost including any changes to underlying policies
• How claims work if you ever need to use your coverage
• Policy renewal and review process

Most families can add umbrella coverage and have it effective within 24-48 hours.

Step 5: Annual Policy Review

Your liability exposure changes as your life evolves. At OZK Insurance, we conduct annual policy reviews for all our clients, checking whether:

• Your umbrella limits still match your current net worth
• You’ve acquired new assets needing protection
• Family changes (teen drivers, new properties) require coverage adjustments
• Better pricing or coverage options have become available

This proactive approach ensures your protection keeps pace with your growing wealth and changing circumstances.

Why Choose OZK Insurance for Your Umbrella Coverage

When protecting everything you’ve worked to build, you need an insurance partner who truly understands your needs and works in your best interest.

Independent Agency Advantage

Unlike State Farm, Allstate, or other captive agents who can only offer one company’s products, OZK Insurance is 100% independent. This means:

Access to 20+ Carriers: We compare umbrella policies from multiple companies, finding you the best coverage at the most competitive price. Captive agents can’t do this—they’re limited to their single company’s offering.

Objective Recommendations: We don’t have corporate quotas or pressure to sell specific products. Our recommendations are based solely on what’s best for your family.

Better Claims Advocacy: When you file a claim, we advocate for you with the insurance company. We’re your representative, not theirs.

Flexibility at Renewal: If your current carrier increases rates significantly or provides poor service, we can move you to a better company. Captive agents can’t offer this option.

Local Northwest Arkansas Expertise

Based in Rogers and serving families throughout Benton and Washington Counties, we understand:

• Northwest Arkansas lifestyle and liability risks
• Local property values and wealth accumulation patterns
• The specific needs of Walmart, Tyson, and other corporate professionals
• Small business owner challenges and opportunities
• The unique factors affecting Rogers, Bentonville, Fayetteville, and Springdale families

This local knowledge translates to better coverage recommendations specifically suited to your circumstances.

Comprehensive Protection

Umbrella insurance is just one part of a complete protection strategy. OZK Insurance provides comprehensive coverage including:

• Homeowners insurance
• Auto insurance
• Umbrella and excess liability
• Life insurance
• Commercial insurance for business owners
• Specialized coverage for unique needs

We ensure all your policies coordinate seamlessly, with no gaps and no unnecessary overlaps.

Proactive Service Philosophy

At OZK Insurance, we don’t just sell policies and disappear. Our proactive approach includes:

• Annual policy reviews ensuring coverage keeps pace with your life
• Proactive rate shopping at renewal to maintain competitive pricing
• Life event check-ins (new homes, teen drivers, business ventures)
• Claims assistance whenever you need us
• Educational resources helping you understand your coverage

This hands-on service differentiates us from online-only insurers and large corporate agencies where you’re just an account number.

Take Action: Protect Your Family’s Financial Future Today

The reality is stark: one lawsuit, one serious accident, one unfortunate incident could cost your family everything you’ve built—your home, your savings, your retirement security, your children’s college funds, and your future earning potential.

Umbrella insurance provides comprehensive protection against this catastrophic risk for less than the cost of a monthly streaming subscription.

Don’t wait until it’s too late. By the time you’re being sued, it’s too late to buy the coverage you needed. The time to protect your assets is now, while you still have assets to protect.

Get started with OZK Insurance today:

Call: (479) 715-4200
Email: sales@ozkinsurance.com
Visit: 9 Halsted Circle, Rogers, AR 72756
Online: www.ozkinsurance.com/contact

Our experienced team will review your liability exposure, calculate your umbrella insurance needs, and show you exactly what comprehensive protection costs for your family. Most consultations take 15-20 minutes and can be conducted by phone, in-person, or via video call—whatever’s most convenient for you.

Don’t leave your family’s financial security to chance. Protect everything you’ve worked for with umbrella insurance from OZK Insurance.