Seguro de viviendas en Arkansas

Protect Your Home With Homeowners Insurance in Arkansas

Arkansas homeowners insuranceArkansas is known for its natural beauty – from the mountains of the north and west to the lowlands of south and east, it lives up to its nickname, “The Natural State.” Unfortunately, Arkansas also has its share of extreme weather events, so having the right home insurance coverage is essential for Arkansas homeowners. Whether you live in Little Rock, Fort Smith, Fayetteville, Springdale, Jonesboro or anywhere else in the state, The Hartford can help protect your home in Arkansas.
Arkansas seguro de viviendas helps protect your house and personal property from damages. Our home insurance policies can give you peace of mind, knowing your Arkansas home is covered so you don’t have to worry about paying for expensive damages out of pocket if the unexpected happens.

Is Homeowners Insurance in AR Required?

Most homeowners with mortgages are required by their bank to have home insurance. Arkansas residents who don’t have a bank loan for their home should still consider having it, though. Having good AR home insurance coverage can protect your home from serious risks like fires, property damage and burglary.
However, standard homeowners insurance coverage won’t protect your house from everything. For example, certain natural disasters like floods or earthquakes are not covered. The Hartford also offers additional coverage like flood insurance or an earthquake endorsement to protect your home against natural disasters like these. And in Arkansas, where you never know what the weather will bring, it’s always a good idea to have extra coverage.

What Does Homeowners Insurance in Arkansas Cover?

homeowners insurance ArkansasArkansas homeowners insurance** comes with standard coverages, including:
La cobertura de vivienda to help protect your home and the structures directly attached to it. So, if a tree falls during a storm and lands on your roof, your home insurance can help cover your repair costs.
La cobertura de propiedad personal, which helps protect your belongings if they’re damaged or destroyed after a covered loss. For instance, if someone breaks into your home and steals your computer, this coverage can help replace it.
Other structures coverage to cover things on your property that aren’t attached to your home. For example, if someone drives into your fence, your Arkansas home insurance can help cover your repairs.
La cobertura por responsabilidad civil to help protect you from claims alleging you’re responsible for someone else’s injury or property damage. For example, if you overthrow a baseball while playing catch and it breaks your neighbor’s window, this coverage can help cover the damages.
Medical payments coverage, which helps pay someone else’s treatment costs if they get hurt on your property. So, if your neighbor slips and falls on your front walkway, this coverage can help cover their hospital bill, up to your home insurance policy limits.2
Loss of use for help covering your living expenses if your home becomes unlivable. For example, if a fire damages your house, this coverage can help pay your hotel bills, up to your policy limits.

Additional Arkansas Homeowners Insurance Options

If you want to add more coverage on top of your base home insurance policy, we make it easy for you to do that. The following additional coverages can help increase your home’s protection:
“New for Old” Protection,‡‡ which helps replace your destroyed possessions with new ones of the same quality.
Personal injury liability coverage to help cover damages from a libel or slander claim.
Reimbursement for replacing locks if you lose your keys or they’re stolen. This coverage covers up to $500 to replace your locks, with a $100 deductible.
Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits (see your policy for limits) to help you recover from identity theft or fraud.
Disappearing Property Deductible‡‡ to reduce your deductible every year, when you go three consecutive years without an insurance loss.
Homeowners equipment breakdown coverage to help cover your repair or replacement costs if your appliances suffer from an electrical or mechanical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that normal wear and tear is not covered.

What Is the Average Cost of Homeowners Insurance in Arkansas?

For homeowners insurance, Arkansas’ average cost was higher than the national average in 2018 according to the Insurance Information Institute:3
Año Arkansas Avg. Homeowners Insurance Cost National Avg. Homeowners Insurance Cost
2018 $1,419 $1,249
2017 $1,373 $1,211
2016 $1,348 $1,192
The cost of your Arkansas homeowners insurance is based on various factors, such as your geographic location. At The Hartford, we try to find you the best rates and help Arkansas homeowners get affordable home insurance policies. We offer insurance discounts like bundling your home and car insurance together. See what you can save. Start today and get homeowners insurance quote online.

Discounts for Homeowners Insurance in Arkansas

With the AARP Homeowners Insurance Program from The Hartford, you can save on Arkansas home insurance rates by:
  • Bundling your insurance policies to save up to 12% on auto insurance and up to 20% on homeowners, condo or renters insurance.** Our customers save an average of $813 after bundling their auto and home policies.**
  • Installing sprinkler systems to increase fire protection.
  • Adding burglar alarms or monitored security systems.

Tips for Comparing AR Home Insurance Rates

There are many different homeowners insurance companies and types of policies offered in Arkansas. And with different packages and policies come different prices. That’s why it’s important to compare homeowners insurance quotes from as many providers as possible. Consider these tips as you’re comparing the different AR home insurance rates:
  • Carefully review policy details to be sure you’re getting the protection your home needs.
  • Know the differences between actual cash value and replacement cost.
  • Don’t just go for the lower rate. Be sure to check the coverage you’re getting, because the cheapest home insurance doesn’t always mean the best coverage.
  • Review the deductible and limits of each quote.
  • Read reviews on each insurance company to see if they have high marks for customer service.

What to Do After an Insured Homeowners Loss in Arkansas

Here are some important steps to take when the unexpected happens:
File an insurance claim with your Arkansas home insurance company. Report any damages as soon as possible and provide as much information as you can.
Take photographs of the damage before cleaning or making temporary repairs to your home.
To prevent your home from sustaining further damage, make temporary repairs such as boarding up windows or putting a tarp over holes in your roof.
You may need to find temporary housing if the damage to your home makes it unlivable. Your Arkansas homeowners insurance policy could help pay for temporary living expenses as long as the damage is covered by your policy.
Save any receipts or documents to help support your claim.
Última actualización: 2 de abril de 2024
2 Los gastos médicos se calculan en base a cargos usuales, habituales y razonables.
3 Insurance Information Institute, “Facts + Statistics: Homeowners and renters insurance”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.