Average homeowners insurance cost in Little Rock, Arkansas

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Our data shows that the average cost of homeowners insurance in Little Rock is $3,865 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $1,283 more than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Little Rock depend on several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

State Farm is the cheapest homeowners insurance company in Little Rock with an average annual premium of $2,956 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Little Rock. Keep reading to learn about the monthly cost of homeowners insurance in Little Rock, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Little Rock.

Key Takeaways

The average cost of homeowners insurance in Little Rock is $3,865 per year.
State Farm is the cheapest homeowners insurance company in Little Rock with an average annual premium of $2,956 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $738 more a year for home insurance.

Average homeowners insurance cost per month

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Little Rock pay an average of $322 per month. It’s $7 less than the state average of $329 and $107 more than the national average for home insurance across the nation.

Average homeowners insurance cost for a $200,000 house

In Little Rock, AR, homeowners pay an average of $3,127 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas, resulting in costlier insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house in Little Rock

According to a rate analysis by Insure.com, homeowners in Little Rock pay an average of $3,865 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you’ll have to pay $738 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Little Rock by company

Among the carriers we analyzed, State Farm is the cheapest homeowners insurance company in Little Rock. Its average annual rate for Little Rock homeowners is $2,956 , while Farm Bureau Mutual Ins Co of AR ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Little Rock and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home Insurance Company	Annual rate
State Farm	$2,956
Farm Bureau Mutual Ins Co of AR	$3,163
Nationwide	$3,463
Shelter Insurance	$3,834
Farmers	$4,485
Auto-Owners	$4,949
Travelers	$9,540
Allstate	$3,191
USAA*	$3,164

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in Arkansas that can impact your home insurance

Living in Arkansas means facing the risk of natural disasters that can seriously damage your home and belongings. These events can lead to expensive repairs and major insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

Being aware of your local risks helps you choose the right level of protection, from setting appropriate coverage limits to deciding on deductibles or adding extra coverage. Taking the time to tailor your policy to those risks can help you avoid being underinsured and give you peace of mind if you’re impacted by a natural disaster.

Arkansas is commonly affected by Ice storm and Winter weather.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Little Rock for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.