Home insurance in Arkansas.
Home insurance in Arkansas is well above the national average because the state sits in a corridor that sees frequent tornadoes, large hail, and damaging straight-line winds.
Arkansas at a glance
Avg. premium
$1,740/yr
NAIC 2022, HO-3
vs. national
11% above
U.S. avg $1,569/yr
Main cost driver
Tornadoes, hail & severe storms
What pushes rates here
Home insurance in Arkansas is well above the national average because the state sits in a corridor that sees frequent tornadoes, large hail, and damaging straight-line winds.
How much does home insurance cost in Arkansas?
The average homeowner in Arkansas pays $1,740per year for home insurance, that's 11% above the U.S. national average of $1,569/yr. Your own rate depends on your home's rebuild cost, age, construction, location, and claims history.
Arkansas vs the national average
11% above the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Arkansas
Hail and wind are the dominant claim types, and many insurers apply a separate, percentage-based wind/hail deductible. Roof age and condition heavily influence rates.
What home insurance covers
A standard Arkansashomeowners (HO-3) policy bundles several coverages. Note what's not included, flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings, furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded, separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Arkansas
Rates for the same home can vary widely between insurers in Arkansas, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security, alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages, your quote will differ based on your specific home.
05 / FAQ
Arkansas home insurance FAQs.
Common questions about homeowners insurance in Arkansas.
06 / Get Started
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