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Homeowners insurance is important because it provides financial protection from property damage and liability for all injuries and property damages caused by members of your family. Fire, windstorm, theft, and liability are all part of the combined coverage of a homeowner’s policy. However, while this covers most types of hazards, there are some exceptions to the coverage. Neglect, flood, and earthquake damages are the most significant damages not covered by most homeowner’s policies. These types of coverage usually have to be obtained separately.

Liability coverage includes damages of the home itself or the front yard when, for example, a neighbor slips on your sidewalk and is injured. Most common homeowner’s insurance policies cover bodily injury and medical expenses, and the coverage amount can be increased with additional premiums.

Discounts on your homeowner’s policy can be applied for non-smokers, for having multiple policies with the same company, for installing addition security measures, and for other various reasons. When looking for low cost insurance in Arkansas, be sure your insurance agent gives you all discounts available to you. While you are not required by law in the state of Arkansas to carry homeowners insurance, most home mortgages require a minimum insurance coverage.

In Arkansas there are three basic types of homeowner’s insurance to choose from depending on your specific needs:

• Basic – Includes protection from 11 different types of hazards including fire, lightning, hail, windstorm, and theft
• Broad – Includes coverage for six additional hazards not included in the basic protection – building collapse, weight damage from ice or snow, and damage from home appliances
• Special – Includes coverage for all hazards except for flood and earthquake

Contact your insurance agent to gain a better understanding of any additional forms of Arkansas homeowner’s insurance, and to decide on the right policy for your needs.

Our customers shop from Little Rock, Fort Smith, Fayetteville, Springdale, Jonesboro, Conway, and many other cities throughout Arkansas to find affordable auto insurance from the top rated insurance companies. You will find our referral network of Arkansas agents and brokers the easiest way to find and compare rates for the coverage you need.