The MFP’s Community Home Insurance Survey uses Arkansas’ homeowners opinions and recommendations on home insurers, agents, and brokers they have. We display premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from Arkansas Own Homeowners >>
Arkanas Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Arkansas are Amica, USAA, and State Farm.
| Insurer |
Coverage |
Customer Experience |
Cost |
Ease of Use |
Recommend % |
| Amica |
5 |
5 |
4 |
4 |
90% |
| USAA |
4 |
5 |
4 |
4 |
88% |
| State Farm |
4 |
4 |
5 |
3 |
85% |
| Allstate |
4 |
4 |
4 |
4 |
82% |
| Liberty Mutual |
3 |
3 |
5 |
4 |
80% |
| Nationwide |
4 |
3 |
3 |
3 |
78% |
| Farm Bureau Mutual of Arkansas |
3 |
4 |
3 |
3 |
75% |
| Travelers |
4 |
3 |
3 |
2 |
72% |
| GEICO |
3 |
3 |
5 |
4 |
70% |
| Shelter |
3 |
3 |
3 |
3 |
68% |
Arkansas average home insurance for a $1,000 deductible:
- Arkansas average premiums for a $300K Home is $1,071 (while it’s $1,568 nationally).
- Arkansas average premiums for a $400K Home is $1,424. It’s $2,088 nationally.
- Arkansas average premiums for a $600K Home is $2,066 (and it’s $2,906 nationally).
Best Insurance in Arkanas’ cities
Little Rock, Fort Smith, Fayetteville, Springdale, Jonesboro, North Little Rock, Conway, Rogers, Bentonville, Pine Bluff
Recommendations are gathered from 2,948 local Arkansas members who requested quotes, filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Arkansas Homeowners:
Home Insurance Quotes
Home Insurance Basics
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Arkansas Mortgage & Rates
Arkansas Best Mortgage Lenders from Community Recommendations
Arkansas Best Refinance Lenders from Community Recommendations
More Resources for Arkansas Homeowners.
Little Rock Home Insurance Cost
Compare Little Rock 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Little Rock, the average annual insurance cost for a $300K home with a $500 deductible is $1,201. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.2% in Little Rock for a $300K home.
Little Rock’s $600K home insurance cost is 8.4% higher than the Arkansas average of $2,195. The Little Rock average annual cost for a $600K home with a $500 deductible is $2,378.
Annual Insurance Premiums by Home Value and Deductible — Little Rock (2026)
| |
Deductible |
| Home Value |
$500 |
$1,000 |
$1,500 |
$2,000 |
$5,000 |
| $100K Home |
$224 |
$211 |
$202 |
$190 |
$167 |
| $200K Home |
$476 |
$448 |
$428 |
$404 |
$354 |
| $300K Home |
$1,201 |
$1,129 |
$1,079 |
$1,018 |
$892 |
| $400K Home |
$1,639 |
$1,540 |
$1,472 |
$1,389 |
$1,217 |
| $600K Home |
$2,378 |
$2,236 |
$2,137 |
$2,016 |
$1,766 |
Little Rock Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Little Rock’s area are State Farm, Allstate, and USAA.
- State Farm (89%): Homeowners praise their responsive local agents and competitive rates for wind/hail coverage.
- Allstate (85%): Members highlight their customizable policies and identity theft restoration add-ons.
- USAA (92%): Users commend their military-focused benefits like waived war damage deductibles.
| Name |
Type |
Coverage |
Client Experience |
Ease of Use |
Cost |
Recommend % |
| USAA |
Insurer |
4.5 |
4.5 |
4.0 |
3.5 |
92% |
| State Farm |
Agents |
4.0 |
4.0 |
4.5 |
4.5 |
89% |
| Allstate |
Agents |
4.0 |
4.0 |
4.0 |
3.5 |
85% |
| Nationwide |
Agents |
3.5 |
4.0 |
3.5 |
3.5 |
82% |
| Travelers |
Insurer |
4.5 |
3.5 |
3.5 |
3.0 |
80% |
| Farmers |
Broker |
3.5 |
3.5 |
3.5 |
3.5 |
78% |
| Liberty Mutual |
Agents |
3.5 |
3.5 |
3.0 |
3.0 |
75% |
| Auto-Owners |
Insurer |
4.0 |
3.5 |
3.0 |
3.5 |
74% |
| Shelter Insurance |
Broker |
3.5 |
3.5 |
3.0 |
3.5 |
72% |
| American Family |
Broker |
3.5 |
3.0 |
3.5 |
3.0 |
70% |
See also:
Little Rock Best Refinance Lenders
Little Rock Best Home Loan Lenders
Fort Smith Home Insurance Cost
Compare Fort Smith 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Fort Smith, the average annual insurance cost for a $300K home with a $500 deductible is $1,140. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.0% in Fort Smith for a $300K home.
Fort Smith’s $600K home insurance cost is 2.3% higher than the Arkansas average of $2,195. The Fort Smith average annual cost for a $600K home with a $500 deductible is $2,245.
Annual Insurance Premiums by Home Value and Deductible — Fort Smith (2026)
| |
Deductible |
| Home Value |
$500 |
$1,000 |
$1,500 |
$2,000 |
$5,000 |
| $100K Home |
$207 |
$195 |
$186 |
$176 |
$155 |
| $200K Home |
$438 |
$412 |
$394 |
$372 |
$328 |
| $300K Home |
$1,140 |
$1,074 |
$1,026 |
$969 |
$855 |
| $400K Home |
$1,549 |
$1,459 |
$1,394 |
$1,316 |
$1,161 |
| $600K Home |
$2,245 |
$2,115 |
$2,021 |
$1,909 |
$1,684 |
Fort Smith Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Fort Smith’s area are State Farm, Amica, and Allstate.
- State Farm (88%): Homeowners appreciate their hail-resistant roofing discounts and local agent support.
- Amica (86%): Users value their Platinum Choice policy’s 30% dwelling replacement buffer.
- Allstate (83%): Members note their water backup coverage and bundling savings.
| Name |
Type |
Coverage |
Client Experience |
Ease of Use |
Cost |
Recommend % |
| State Farm |
Agents |
4.0 |
4.5 |
4.0 |
4.0 |
88% |
| Amica |
Insurer |
4.5 |
4.0 |
3.5 |
3.5 |
86% |
| Allstate |
Agents |
4.0 |
4.0 |
4.0 |
3.5 |
83% |
| USAA |
Insurer |
4.5 |
4.5 |
4.0 |
3.0 |
82% |
| Farmers |
Broker |
3.5 |
3.5 |
3.5 |
3.5 |
80% |
| Nationwide |
Agents |
3.5 |
4.0 |
3.5 |
3.5 |
78% |
| Shelter Insurance |
Broker |
3.5 |
3.5 |
3.0 |
3.5 |
75% |
| Auto-Owners |
Insurer |
4.0 |
3.5 |
3.0 |
3.5 |
74% |
| Liberty Mutual |
Agents |
3.5 |
3.5 |
3.0 |
3.0 |
72% |
| Travelers |
Insurer |
4.0 |
3.5 |
3.0 |
3.0 |
70% |
See also:
Fort Smith Best Refinance Lenders
Fort Smith Best Home Loan Lenders
Fayetteville Home Insurance Cost
Compare Fayetteville 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Fayetteville, the average annual insurance cost for a $300K home with a $500 deductible is $1,116. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.1% in Fayetteville for a $300K home.
Fayetteville’s $600K home insurance cost is 0.2% lower than the Arkansas average of $2,195. The Fayetteville average annual cost for a $600K home with a $500 deductible is $2,190.
Annual Insurance Premiums by Home Value and Deductible — Fayetteville (2026)
| |
Deductible |
| Home Value |
$500 |
$1,000 |
$1,500 |
$2,000 |
$5,000 |
| $100K Home |
$207 |
$195 |
$187 |
$176 |
$156 |
| $200K Home |
$442 |
$416 |
$397 |
$375 |
$331 |
| $300K Home |
$1,116 |
$1,051 |
$1,004 |
$948 |
$837 |
| $400K Home |
$1,516 |
$1,427 |
$1,363 |
$1,287 |
$1,137 |
| $600K Home |
$2,190 |
$2,062 |
$1,970 |
$1,860 |
$1,642 |
Fayetteville Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Fayetteville’s area are USAA, State Farm, and Amica.
- USAA (91%): Members highlight their identity theft protection and military-specific benefits.
- State Farm (87%): Homeowners appreciate their inflation coverage and local agent accessibility.
- Amica (84%): Users commend their claim-free discounts and comprehensive Platinum policy.
| Name |
Type |
Coverage |
Client Experience |
Ease of Use |
Cost |
Recommend % |
| USAA |
Insurer |
4.5 |
4.5 |
4.0 |
3.5 |
91% |
| State Farm |
Agents |
4.0 |
4.0 |
4.5 |
4.0 |
87% |
| Amica |
Insurer |
4.5 |
4.0 |
3.5 |
3.5 |
84% |
| Allstate |
Agents |
4.0 |
4.0 |
4.0 |
3.5 |
82% |
| Nationwide |
Agents |
3.5 |
4.0 |
3.5 |
3.5 |
80% |
| Auto-Owners |
Insurer |
4.0 |
3.5 |
3.0 |
3.5 |
78% |
| Farmers |
Broker |
3.5 |
3.5 |
3.5 |
3.5 |
76% |
| Shelter Insurance |
Broker |
3.5 |
3.5 |
3.0 |
3.5 |
74% |
| Liberty Mutual |
Agents |
3.5 |
3.5 |
3.0 |
3.0 |
72% |
| Travelers |
Insurer |
4.0 |
3.5 |
3.0 |
3.0 |
70% |
See also:
Fayetteville Best Refinance Lenders
Fayetteville Best Home Loan Lenders
Springdale Home Insurance Cost
Compare Springdale 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Springdale, the average annual insurance cost for a $300K home with a $500 deductible is $1,104. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.0% in Springdale for a $300K home.
Springdale’s $600K home insurance cost is 1.6% lower than the Arkansas average of $2,195. The Springdale average annual cost for a $600K home with a $500 deductible is $2,160.
Annual Insurance Premiums by Home Value and Deductible — Springdale (2026)
| |
Deductible |
| Home Value |
$500 |
$1,000 |
$1,500 |
$2,000 |
$5,000 |
| $100K Home |
$203 |
$191 |
$183 |
$173 |
$152 |
| $200K Home |
$433 |
$408 |
$390 |
$368 |
$325 |
| $300K Home |
$1,104 |
$1,039 |
$993 |
$938 |
$828 |
| $400K Home |
$1,497 |
$1,409 |
$1,346 |
$1,272 |
$1,123 |
| $600K Home |
$2,160 |
$2,033 |
$1,943 |
$1,835 |
$1,620 |
Springdale Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Springdale’s area are State Farm, Allstate, and USAA.
- State Farm (86%): Homeowners value their roofing discounts and automatic inflation adjustments.
- Allstate (83%): Users praise their business property coverage and bundling options.
- USAA (90%): Members appreciate their replacement cost coverage and military benefits.
| Name |
Type |
Coverage |
Client Experience |
Ease of Use |
Cost |
Recommend % |
| USAA |
Insurer |
4.5 |
4.5 |
4.0 |
3.5 |
90% |
| State Farm |
Agents |
4.0 |
4.0 |
4.5 |
4.0 |
86% |
| Allstate |
Agents |
4.0 |
4.0 |
4.0 |
3.5 |
83% |
| Nationwide |
Agents |
3.5 |
4.0 |
3.5 |
3.5 |
80% |
| Farmers |
Broker |
3.5 |
3.5 |
3.5 |
3.5 |
78% |
See also:
Springdale Best Refinance Lenders
Springdale Best Home Loan Lenders
Jonesboro Home Insurance Cost
Compare Jonesboro 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Jonesboro average annual cost for a $300K home with a $500 deductible is $1,080. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.0% in Jonesboro for a $300K home.
Jonesboro’s $600K home insurance cost is 6.1% lower than the Arkansas average of $2,195. The Jonesboro average annual cost for a $600K home with a $500 deductible is $2,061.
Annual Insurance Premiums by Home Value and Deductible — Jonesboro (2026)
| |
Deductible |
| Home Value |
$500 |
$1,000 |
$1,500 |
$2,000 |
$5,000 |
| $100K Home |
$607 |
$572 |
$546 |
$516 |
$455 |
| $200K Home |
$810 |
$763 |
$729 |
$688 |
$607 |
| $300K Home |
$1,080 |
$1,017 |
$972 |
$918 |
$810 |
| $400K Home |
$1,414 |
$1,331 |
$1,272 |
$1,202 |
$1,060 |
| $600K Home |
$2,061 |
$1,941 |
$1,855 |
$1,752 |
$1,546 |
Jonesboro Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Jonesboro’s area are State Farm, Amica, and Allstate.
- State Farm (87%): Homeowners highlight their fire department service charge coverage.
- Amica (84%): Members note their autopay and claims-free discounts.
- Allstate (82%): Users appreciate their yard and garden coverage options.
| Name |
Type |
Coverage |
Client Experience |
Ease of Use |
Cost |
Recommend % |
| State Farm |
Agents |
4.0 |
4.0 |
4.5 |
4.0 |
87% |
| Amica |
Insurer |
4.5 |
4.0 |
3.5 |
3.5 |
84% |
| Allstate |
Agents |
4.0 |
4.0 |
4.0 |
3.5 |
82% |
| USAA |
Insurer |
4.5 |
4.5 |
4.0 |
3.0 |
81% |
| Shelter Insurance |
Broker |
3.5 |
3.5 |
3.0 |
3.5 |
78% |
See also:
Jonesboro Best Refinance Lenders
Jonesboro Best Home Loan Lenders
North Little Rock Home Insurance Cost
Compare North Little Rock 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In North Little Rock, the average annual insurance cost for a $300K home with a $500 deductible is $1,176. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.0% in North Little Rock for a $300K home.
North Little Rock’s $600K home insurance cost is 1.6% higher than the Arkansas average of $2,195. The North Little Rock average annual cost for a $600K home with a $500 deductible is $2,230.
Annual Insurance Premiums by Home Value and Deductible — North Little Rock (2026)
| |
Deductible |
| Home Value |
$500 |
$1,000 |
$1,500 |
$2,000 |
$5,000 |
| $100K Home |
$678 |
$638 |
$610 |
$577 |
$509 |
| $200K Home |
$901 |
$848 |
$811 |
$766 |
$676 |
| $300K Home |
$1,176 |
$1,107 |
$1,058 |
$1,000 |
$882 |
| $400K Home |
$1,556 |
$1,465 |
$1,400 |
$1,323 |
$1,167 |
| $600K Home |
$2,230 |
$2,099 |
$2,006 |
$1,896 |
$1,672 |
North Little Rock Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in North Little Rock’s area are USAA, State Farm, and Travelers.
- USAA (91%): Members commend their waived war damage deductibles for active-duty personnel.
- State Farm (86%): Homeowners appreciate their arson reward coverage and local agents.
- Travelers (80%): Users note their green home coverage for eco-friendly rebuilds.
| Name |
Type |
Coverage |
Client Experience |
Ease of Use |
Cost |
Recommend % |
| USAA |
Insurer |
4.5 |
4.5 |
4.0 |
3.5 |
91% |
| State Farm |
Agents |
4.0 |
4.0 |
4.5 |
4.0 |
86% |
| Travelers |
Insurer |
4.5 |
3.5 |
3.5 |
3.0 |
80% |
| Allstate |
Agents |
4.0 |
4.0 |
4.0 |
3.5 |
79% |
| Nationwide |
Agents |
3.5 |
4.0 |
3.5 |
3.5 |
77% |
See also:
North Little Rock Best Refinance Lenders
North Little Rock Best Home Loan Lenders
Conway Home Insurance Cost
Compare Conway 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Conway, the average annual insurance cost for a $300K home with a $500 deductible is $1,128. Choosing a $2,000 deductible instead of $500 can lower annual cost by 14.9% in Conway for a $300K home.
Conway’s $600K home insurance cost is 2.1% lower than the Arkansas average of $2,195. The Conway average annual cost for a $600K home with a $500 deductible is $2,149.
Annual Insurance Premiums by Home Value and Deductible — Conway (2026)
| |
Deductible |
| Home Value |
$500 |
$1,000 |
$1,500 |
$2,000 |
$5,000 |
| $100K Home |
$639 |
$601 |
$575 |
$544 |
$479 |
| $200K Home |
$843 |
$794 |
$759 |
$717 |
$632 |
| $300K Home |
$1,128 |
$1,062 |
$1,015 |
$960 |
$846 |
| $400K Home |
$1,470 |
$1,384 |
$1,323 |
$1,251 |
$1,103 |
| $600K Home |
$2,149 |
$2,023 |
$1,933 |
$1,829 |
$1,611 |
Conway Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Conway’s area are State Farm, Amica, and Allstate.
- State Farm (88%): Homeowners value their power interruption coverage and bundling savings.
- Amica (85%): Users highlight their sump overflow protection and e-discounts.
- Allstate (82%): Members appreciate their early signing discount options.
| Name |
Type |
Coverage |
Client Experience |
Ease of Use |
Cost |
Recommend % |
| State Farm |
Agents |
4.0 |
4.0 |
4.5 |
4.0 |
88% |
| Amica |
Insurer |
4.5 |
4.0 |
3.5 |
3.5 |
85% |
| Allstate |
Agents |
4.0 |
4.0 |
4.0 |
3.5 |
82% |
| USAA |
Insurer |
4.5 |
4.5 |
4.0 |
3.0 |
81% |
| Shelter Insurance |
Broker |
3.5 |
3.5 |
3.0 |
3.5 |
78% |
See also:
Conway Best Refinance Lenders
Conway Best Home Loan Lenders
Rogers Home Insurance Cost
Compare Rogers 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Rogers, the average annual insurance cost for a $300K home with a $500 deductible is $1,080. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.0% in Rogers for a $300K home.
Rogers’s $600K home insurance cost is 6.4% lower than the Arkansas average of $2,195. The Rogers average annual cost for a $600K home with a $500 deductible is $2,054.
Annual Insurance Premiums by Home Value and Deductible — Rogers (2026)
| |
Deductible |
| Home Value |
$500 |
$1,000 |
$1,500 |
$2,000 |
$5,000 |
| $100K Home |
$608 |
$573 |
$547 |
$517 |
$456 |
| $200K Home |
$813 |
$765 |
$731 |
$691 |
$609 |
| $300K Home |
$1,080 |
$1,017 |
$972 |
$918 |
$810 |
| $400K Home |
$1,421 |
$1,338 |
$1,279 |
$1,208 |
$1,066 |
| $600K Home |
$2,054 |
$1,934 |
$1,848 |
$1,746 |
$1,540 |
Rogers Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Rogers’ area are USAA, State Farm, and Nationwide.
- USAA (90%): Members praise their $5,000 identity theft protection included standard.
- State Farm (85%): Homeowners commend their collapse coverage and local agent support.
- Nationwide (81%): Users note their free credit card coverage and building code upgrades.
| Name |
Type |
Coverage |
Client Experience |
Ease of Use |
Cost |
Recommend % |
| USAA |
Insurer |
4.5 |
4.5 |
4.0 |
3.5 |
90% |
| State Farm |
Agents |
4.0 |
4.0 |
4.5 |
4.0 |
85% |
| Nationwide |
Agents |
3.5 |
4.0 |
3.5 |
3.5 |
81% |
| Allstate |
Agents |
4.0 |
4.0 |
4.0 |
3.5 |
80% |
| Amica |
Insurer |
4.5 |
4.0 |
3.5 |
3.5 |
79% |
See also:
Rogers Best Refinance Lenders
Rogers Best Home Loan Lenders
Bentonville Home Insurance Cost
Compare Bentonville 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Bentonville, the average annual insurance cost for a $300K home with a $500 deductible is $1,092. Choosing a $2,000 deductible instead of $500 can lower annual cost by 14.9% in Bentonville for a $300K home.
Bentonville’s $600K home insurance cost is 4.9% lower than the Arkansas average of $2,195. The Bentonville average annual cost for a $600K home with a $500 deductible is $2,086.
Annual Insurance Premiums by Home Value and Deductible — Bentonville (2026)
| |
Deductible |
| Home Value |
$500 |
$1,000 |
$1,500 |
$2,000 |
$5,000 |
| $100K Home |
$623 |
$587 |
$561 |
$530 |
$467 |
| $200K Home |
$826 |
$779 |
$745 |
$703 |
$620 |
| $300K Home |
$1,092 |
$1,029 |
$984 |
$929 |
$819 |
| $400K Home |
$1,435 |
$1,352 |
$1,293 |
$1,221 |
$1,076 |
| $600K Home |
$2,086 |
$1,966 |
$1,880 |
$1,775 |
$1,564 |
Bentonville Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Bentonville’s area are State Farm, USAA, and Amica.
- State Farm (87%): Homeowners highlight their credit card forgery coverage and hail-resistant roof discounts.
- USAA (89%): Members value their uniform coverage for active-duty military personnel.
- Amica (83%): Users appreciate their loyalty discounts and alarm system savings.
| Name |
Type |
Coverage |
Client Experience |
Ease of Use |
Cost |
Recommend % |
| USAA |
Insurer |
4.5 |
4.5 |
4.0 |
3.5 |
89% |
| State Farm |
Agents |
4.0 |
4.0 |
4.5 |
4.0 |
87% |
| Amica |
Insurer |
4.5 |
4.0 |
3.5 |
3.5 |
83% |
| Allstate |
Agents |
4.0 |
4.0 |
4.0 |
3.5 |
80% |
| Nationwide |
Agents |
3.5 |
4.0 |
3.5 |
3.5 |
78% |
See also:
Bentonville Best Refinance Lenders
Bentonville Best Home Loan Lenders
Pine Bluff Home Insurance Cost
Compare Pine Bluff 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Pine Bluff, the average annual insurance cost for a $300K home with a $500 deductible is $1,260. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.0% in Pine Bluff for a $300K home.
Pine Bluff’s $600K home insurance cost is 9.0% higher than the Arkansas average of $2,195. The Pine Bluff average annual cost for a $600K home with a $500 deductible is $2,393.
Annual Insurance Premiums by Home Value and Deductible — Pine Bluff (2026)
| |
Deductible |
| Home Value |
$500 |
$1,000 |
$1,500 |
$2,000 |
$5,000 |
| $100K Home |
$703 |
$663 |
$633 |
$598 |
$527 |
| $200K Home |
$937 |
$883 |
$843 |
$797 |
$703 |
| $300K Home |
$1,260 |
$1,187 |
$1,134 |
$1,071 |
$945 |
| $400K Home |
$1,632 |
$1,538 |
$1,469 |
$1,387 |
$1,224 |
| $600K Home |
$2,393 |
$2,255 |
$2,154 |
$2,034 |
$1,795 |
Pine Bluff Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Pine Bluff’s area are State Farm, Allstate, and Shelter Insurance.
- State Farm (86%): Homeowners appreciate their fire alarms and burglar alarms discounts.
- Allstate (82%): Users note their electronic data recovery coverage options.
- Shelter Insurance (79%): Members highlight their home renovation discounts.
| Name |
Type |
Coverage |
Client Experience |
Ease of Use |
Cost |
Recommend % |
| State Farm |
Agents |
4.0 |
4.0 |
4.5 |
4.0 |
86% |
| Allstate |
Agents |
4.0 |
4.0 |
4.0 |
3.5 |
82% |
| Shelter Insurance |
Broker |
3.5 |
3.5 |
3.0 |
3.5 |
79% |
| USAA |
Insurer |
4.5 |
4.5 |
4.0 |
3.0 |
78% |
| Farmers |
Broker |
3.5 |
3.5 |
3.5 |
3.5 |
76% |
See also:
Pine Bluff Best Refinance Lenders
Pine Bluff Best Home Loan Lenders
Biggest Home Insurance Cost Factors in Arkansas
Weather
Arkansas experiences a range of severe weather events that heavily impact home insurance rates. Tornadoes, hailstorms, and thunderstorms are frequent in the state, especially in central areas like Little Rock and Conway. Tornado Alley brushes the northwestern part of the state, increasing wind-related risk, while southeastern Arkansas is more vulnerable to flooding from heavy rains and nearby rivers. Due to these risks, insurers often raise premiums or require additional wind/hail deductibles.
Location in Arkansas
The geographic location of a home in Arkansas can drastically affect insurance costs. Homes in high-risk flood zones near rivers or low-lying areas, like parts of Pine Bluff or Fort Smith, generally cost more to insure. Urban centers like Little Rock may have higher premiums due to increased rebuilding costs, while rural areas may have limited fire protection services, also driving up rates.
Home Construction Age
Older homes in Arkansas tend to cost more to insure due to outdated wiring, plumbing, or roofing that can increase the likelihood of claims. Additionally, older construction may not meet current building codes, raising potential repair or rebuild costs. In cities like Fayetteville or Hot Springs, homes built before 1980 may carry significantly higher premiums.
| Home Age |
Typical Cost Change |
| 0–5 years |
15% to 25% less |
| 6–10 years |
10% to 20% less |
| 11–20 years |
0% |
| 21–30 years |
10% to 15% more |
| 31–40 years |
20% to 35% more |
| 41–60 years |
40% to 60% more |
| 60+ years |
65% to 90% more |
In Arkansas, homes built within the last decade typically benefit from better materials and energy codes, qualifying for discounts. On the other hand, homes older than 40 years, especially in smaller towns or historic districts, may require costly upgrades, which insurers factor into higher premiums.
Credit Score
Insurance providers in Arkansas heavily factor in credit scores when setting home insurance premiums. Homeowners with poor credit can pay more than double the rates of those with excellent credit. This is due to statistical correlations between credit behavior and claim frequency or severity.
| Credit Score |
Typical Cost Change |
| Excellent |
0% |
| Good |
20% more |
| Average |
40% more |
| Poor |
100% to 170% more |
In Arkansas, improving your credit score can be one of the fastest ways to reduce your insurance premiums over time, especially if your credit profile is currently rated as fair or below.
Best Home Insurance Discounts in Arkansas
- Multi-policy discount: Save by bundling home and auto insurance with the same provider.
- Protective devices discount: Installing smoke detectors, deadbolts, or a security system can reduce your rate.
- Claims-free discount: Homeowners with no recent claims can receive lower rates.
- New home discount: Newer homes typically qualify for lower premiums.
- Loyalty discount: Staying with the same insurer for multiple years can lead to savings.
How to Find Cheap Home Insurance in Arkansas?
To find affordable home insurance in Arkansas, shop around and compare quotes from at least 3–5 providers. Focus on insurers with good financial ratings and local experience. Don’t just pick the cheapest policy—make sure it offers sufficient protection. Review your deductible and consider increasing it to lower your premium. Also, take advantage of all available discounts. Keep in mind that cheaper insurance isn’t always better, especially if it lacks key coverage features or strong claims support.
6 Ways to Reduce Your Home Insurance Cost
- Improve your credit score to qualify for lower rates.
- Bundle your home and auto insurance with the same company.
- Increase your deductible to reduce monthly premiums.
- Install protective devices like smoke alarms and security systems.
- Renovate old systems like plumbing and electrical to reduce risk.
- Shop around annually and switch if better options become available.
What Does Home Insurance Cover in Arkansas?
Standard home insurance policies in Arkansas typically cover:
- Dwelling protection (structure of the home)
- Personal property (furniture, electronics, etc.)
- Liability protection (injuries to others on your property)
- Additional living expenses (hotel and meals during repairs)
- Other structures (garage, shed, fence)
Extra Home Coverage & When it’s Needed?
Arkansas homeowners may want to add these types of coverage depending on location and needs:
- Flood insurance: Not included in standard policies. Needed if you’re in or near flood-prone areas like eastern Arkansas or riverbanks.
- Earthquake insurance: Earthquakes are rare, but areas near the New Madrid fault may benefit from coverage.
- Sewer backup coverage: Protects against costly damage from sump pump or drain backups.
- Equipment breakdown coverage: Covers HVAC, water heaters, and appliances from internal mechanical failure.
- Replacement cost coverage: Ensures you get the full cost to replace damaged property rather than depreciated value.
FAQ: Arkansas Home Insurance
How much is home insurance in Arkansas?
On average, homeowners in Arkansas pay between $2,000 and $3,000 annually, depending on location, home value, and coverage level.
Is flood insurance required in Arkansas?
It’s not legally required, but it’s essential in high-risk zones. Your mortgage lender may require it if your home is in a floodplain.
Can I get coverage for tornado damage?
Yes, standard homeowners policies typically cover wind and tornado damage, though separate wind/hail deductibles may apply.
Does home insurance cover mold damage?
It depends. If mold results from a covered peril like water damage from a burst pipe, it may be covered. Gradual mold buildup is usually excluded.
How do I lower my premium after a claim?
Ask your insurer about loss forgiveness options, improve your credit, and avoid further claims to rebuild your discount eligibility.