The Best Home Insurance in Arkansas for 2025

Chubb and USAA are among the best home insurance companies in Arkansas, according to our analysis.

To help you find the best home insurance in Arkansas, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Here's more information about the best homeowners insurance companies in Arkansas.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to well-off homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders may be eligible for the company’s HomeScan service, which uses infrared cameras to look for issues behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. You can also add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to support companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has cut fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. This upgrade allows you to use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to get add-ons to your policy coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add on to your policy for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider, which automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for personal property and coverage for water damage from backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has some features that many insurers charge extra for. For example, policies cover your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged ones. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Arkansas is $3,215. That’s 52% more than the national average of $2,110.

In most U.S. states, including Arkansas, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Arkansas, those with poor credit pay an average of $6,710 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 109% more than what those with good credit pay.

» MORE: Does your credit score affect home insurance rates?

How much you pay for homeowners insurance in Arkansas depends on where you live. For instance, the average cost of home insurance in Little Rock is $3,220 per year, while homeowners in Fayetteville pay $3,130 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Arkansas average of $3,220.

» MORE: The cheapest homeowners insurance

Here are a few of the most common risks Arkansas homeowners face, along with ways to insure your home against them.

Tornadoes

Home insurance usually covers damage caused by wind, including tornadoes. However, you may have a separate wind deductible. It could be a flat rate, such as $1,000, or a percentage of your dwelling coverage limit. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.

Flooding

Standard homeowners insurance policies typically don't cover flood damage. Homeowners in at-risk areas may need to purchase separate flood insurance instead. Although you can buy flood coverage anytime, there’s often a 30-day waiting period before the insurance takes effect.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do I need flood insurance?

Hail

Homeowners insurance generally covers hail damage, but a separate deductible may apply.

Earthquakes

Standard homeowners insurance policies generally don't cover structural damage due to an earthquake. If you live in an area with higher risk, consider buying earthquake insurance.

Earthquake insurance often has a separate deductible, which can be around 5% to 25% of the coverage on your policy. For example, if you have a 20% deductible on $200,000 of coverage, you have to pay $40,000 before your insurance kicks in.

» MORE: Home insurance calculator: Estimate your rate

Arkansas insurance department

The Arkansas Insurance Department regulates the state’s insurance industry and provides helpful information. If you need to file a complaint against your insurance company, you can do so online, via fax, or by mail or email.

If you have questions about filing a complaint or about insurance protections, contact the Arkansas Insurance Department Consumer Services division at 800-852-5494 or by email at insurance.consumers@arkansas.gov.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.