Home & Renters Insurance
Protect your largest asset — and the things inside it.
Home Insurance in Little RockAbout this coverage
Home and renters insurance in plain language
Home insurance helps pay to repair or rebuild your house after covered damage, and it also protects your belongings and personal liability. Renters insurance protects your personal property and liability even when you do not own the building.
In central Arkansas, wind, hail, roof age, water damage, and replacement cost are big factors. We help you understand what is covered, what is excluded, and which deductible applies before a storm or claim happens.
What a home or renters policy typically includes
Dwelling Coverage
Repairs or rebuilds the structure of your home after a covered loss.
Other Structures
Detached garages, sheds, fences, and similar structures on your property.
Personal Property
Furniture, electronics, clothing, and other belongings — for owners and renters.
Loss of Use
Pays for temporary housing and extra living costs while your home is being repaired.
Personal Liability
Covers you if someone is injured on your property or you accidentally damage someone else's.
Medical Payments to Others
Pays small medical bills for guests injured at your home, regardless of fault.
Common home and renters insurance mistakes
Insuring the home for market value instead of rebuild cost
The sales price is not the same as the cost to rebuild. A home can be underinsured even when the mortgage is satisfied.
Missing the wind or hail deductible
Some policies have a separate wind/hail deductible. In Arkansas, that number matters.
Assuming flood is included
Standard home and renters policies do not cover flood. Flood coverage is separate.
Forgetting valuables and home changes
Jewelry, firearms, business equipment, renovations, and additions may need extra attention.
What to prepare for a home or renters quote
These details help us quote the right coverage instead of guessing.
- Property address and occupancy details
- Year built, roof age, square footage, and construction type
- Current declarations page or renewal offer
- Mortgage company information, if applicable
- Details about updates to roof, plumbing, electrical, or HVAC
- List of high-value items or special property concerns
Good times to review your home or renters policy
- You're buying or refinancing a home
- You completed a kitchen, bath, or major remodel
- You added a pool, trampoline, or major outdoor feature
- You started a home-based business or rental
- You're moving into a new apartment or rental
- You purchased high-value items (jewelry, firearms, art, electronics)
Frequently asked questions
Does my landlord's insurance cover my belongings if I rent?
No. Your landlord's policy covers the building, not your stuff. Renters insurance is typically $15–$25 a month and covers personal property plus liability if a guest is injured in your apartment.
What's the difference between replacement cost and actual cash value?
Replacement cost pays what it would take to buy the item new today. Actual cash value subtracts depreciation, so a five-year-old TV is paid out at far less than a new one. Replacement cost costs slightly more in premium but makes a big difference at claim time.
Is flood damage covered by home insurance?
No. Flood is a separate policy through the National Flood Insurance Program or a private flood carrier. If you're in a flood zone, your mortgage lender will require it. Even outside flood zones, we sometimes recommend it.
Are dog bites covered under my homeowners policy?
Usually yes, but some carriers exclude specific breeds or charge more. Always tell us about pets on the application — non-disclosure can lead to claim denial.
Do I need to update my policy after a renovation?
Yes. A finished basement, kitchen upgrade, or new addition increases your home's replacement cost. Failing to update can leave you underinsured.
How are my personal property limits calculated?
Most policies set personal property at 50–70% of your dwelling coverage. High-value items like jewelry, art, or firearms often need scheduled coverage above standard limits.
Review your home or renters coverage
Tell us about your property and we will help you compare protection for your home, belongings, liability, and Arkansas weather risks.
This is a request for information and is not an application for, or a binder of, coverage.