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Arkansas Home Insurance - What's Happening

Why are average Arkansas homeowners insurance premiums nearly 38% higher than the national average? A big reason is the state's location in Tornado Alley. But that doesn't mean AR homeowners should just accept their fates and pay the $1,149 average premiums.

How serious is the tornado problem? According to the National Climatic Data Center, the state suffers an average of 39 tornadoes annually. But the state also is prone to severe thunderstorms, hail and flooding. Standard Arkansas home insurance offers coverage for tornados. However, flooding is not covered. Not sure what coverage you have? Working with a licensed agent is a smart way to make sure you don’t have holes in your policy.

Call today and one of our licensed agents will get you started with Arkansas home insurance. Our agents will make sure you get discounts that apply to your home. By the time you hang up the phone, you’ll have a policy you can count on at an affordable price. Can't call right now? Start the process by entering your information above.

Curious about car insurance? Click here to learn more about auto insurance in Arkansas.

Arkansas Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

Because Arkansas homes are a little younger than the national average, their plumbing and electrical systems aren't as much of an issue for insurers. Homeowners who experience a total loss in AR can also expect lower costs to rebuild. Sump pumps were the only area in this category where the state fell short.


Average year built

Average Arkansas home, built in 1983, is 3 years newer than the average U.S. home.


Average home size

At 1,957 square feet, the average AR home is a bit smaller than the national average of 1,971 sq. ft.


Average replacement cost

Replacing your house after a total loss in Arkansas will cost an average of $236,782, compared with the U.S. average of $278,576.


% of homes with sump pump

None of Arkansas’s homes insured by during the quarter have a sump pump. But to be fair, only 2% of homes in the state have basements.

Property (Factors related to the property and location)

Arkansas shines bright in property factors, especially when it came to the insured cost of other structures. Unlike many other states, the average insured cost of other structures (detached garages, sheds and fences, for example) on property belonging to Arkansas homeowners was a mere $6,492 – tiny compared with the national average of $26,165.

Arkansas did lose points in the category for the failure to avoid swimming pools – a big liability risk. More than 11% of Arizona homeowners have swimming pools, more than double the national average of 5.1%. That greatly increases liability risks for homeowners. But while AR residents didn’t avoid swimming pools, they did manage to avoid dangerous ATVs.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

96% of AR homes have fire extinguishers – impressive when compared with the U.S. average of 91.4%.


% of homes with dead bolt locks on exterior doors

100% of homes we insured in the state during the quarter have dead bolt locks, which serves as a big boost for home security.


% of homes with smoke detectors

100% of AR homeowners also have smoke detectors. Early detection can help avoid major blazes – fire claims average more than $33,000.


% of homes with security alarms

Security systems are a nice added safety feature but only 13% of AR homes have them, well below the national average.

Overall Grade - B (solid state)

While Arkansas may fight frequent severe weather and high home insurance premiums, things aren't all bad in the Natural State. AR homes on average are newer and smaller; both factors have home insurance benefits. Plus, the cost to replace homes in AR is less because state building costs are lower. Homeowners in this state earned many points for installing safety features in their. Arkansas may have a few setbacks, but overall the state looks pretty solid.

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