Best Homeowners Insurance Companies in Arkansas

State Farm ranks No. 1 in our review of the best home insurance in Arkansas, followed by USAA and Auto-Owners.

See if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: February 19, 2026

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Arkansas's Top Home Insurance Companies: Key Takeaways

State Farm is the best home insurance provider in Arkansas with a score of 4.6 out of 5 from our review team.

USAA, Auto-Owners, Farmers and Nationwide rank high for homeowners insurance in Arkansas based on affordable rates, strong customer service and reliable coverage.

The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.

Arkansas homeowners pay rates well below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Arkansas.

What Are the Best Home Insurance Companies in Arkansas?

State Farm ranks first for Arkansas homeowners with the state's lowest premiums and above-average customer satisfaction. USAA, Auto-Owners, Farmers and Nationwide complete the top five, excelling in areas like military-focused service, premium coverage quality and local agent networks.


State Farm	4.5	$3,061	Most Arkansas homeowners
USAA	5.0	$2,491	Military families
Auto-Owners	4.5	$5,921	Comprehensive coverage
Farmers	4.4	$3,717	Customizable policies
Nationwide	4.3	$2,703	Affordable comprehensive protection

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile.

**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.

State Farm

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4/5Customer Experience

4.2/5Coverage

J.D. Power Customer Satisfaction Score
657/1,000
Average Annual Premium
$3,061

pros
- High AM Best ratings for financial stability
- Lowest rates for Arkansas homeowners
- J.D. Power score above the industry average
cons
- Claims processing is slower during peak periods
- Not available in all Arkansas counties
- Fewer add-on options than most competitors
State Farm is Arkansas's most affordable home insurer at $3,061 a year. Personal property is covered at replacement cost, so you get full value rather than depreciated amounts after a loss. Additional living expenses coverage pays for temporary housing if a disaster forces you out.

State Farm home insurance in Arkansas is $3,061 a year, 39% below the state average of $5,040 and close to the national average of $3,467. Bundling home and auto saves 10% to 20%. A monitored security system brings the rate down further.


Older Homes	$259	$3,113
Newer Homes	$183	$2,190
Young Homeowners	$255	$3,057
Senior Homeowners	$252	$3,019
High-Risk Fire Homes	$286	$3,429
Smaller Homes	$260	$3,125
Larger Homes	$310	$3,718

State Farm scored 657 out of 1,000 in the J.D. Power customer satisfaction study, above the 642 industry average. Local independent agents and direct sales both give Arkansas homeowners in-person access when they need it. Online tools handle quotes and claims management for everything else.
State Farm's standard policy covers the basics. These add-ons let you build out from there:
- Personal articles policy: Covers jewelry, art and collectibles against theft, loss and accidental damage
- Umbrella policy: Liability protection beyond your home and auto policy limits
- Service line coverage: Pays for underground utility line repairs on your property
- Sewer backup coverage: Covers water damage and cleanup when sewage backs up into your home
- Energy efficiency upgrade: Extra funds to replace damaged systems with energy-efficient models
- Identity fraud protection: Covers the cost to restore your identity after theft

USAA

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Customer Experience

5/5Coverage

J.D. Power Customer Satisfaction Score
737/1,000
Average Annual Premium
$2,491

pros
- Flexible add-ons for specialized coverage needs
- Lowest rates available to military-eligible Arkansas homeowners
- Strong financial stability with high ratings
cons
- Only available to military members, veterans and their families
- No local agents — direct service only
- Not available in all areas
USAA is $2,491 a year (the lowest rate in our study) for Arkansas homeowners who qualify. Replacement cost coverage pays for repairs or rebuilding with no depreciation deductions. Additional living expenses coverage kicks in when Arkansas disasters force you out of your home.

USAA home insurance in Arkansas is $2,491 a year, 51% below the state average of $5,040 and 28% below the national average of $3,467. Bundling home and auto saves 10% to 20% and a monitored security system lowers the rate further. Military-specific discounts add savings that civilian insurers don't offer.


Older Homes	$211	$2,528
Newer Homes	$126	$1,507
Young Homeowners	$217	$2,599
Senior Homeowners	$209	$2,512
High-Risk Fire Homes	$233	$2,791
Smaller Homes	$189	$2,267
Larger Homes	$227	$2,721

USAA scored 737 out of 1,000 in the J.D. Power customer satisfaction study, 95 points above the 642 industry average. The company operates on a direct model with no agent intermediaries. Policy management and claims processing happen online, with 24/7 account access. For Arkansas homeowners who qualify, it's one of the strongest combinations of price and service in the state.
USAA's standard policy covers the basics. These add-ons expand your protection:
- Replacement cost coverage: Full rebuilding costs with no depreciation deductions
- Additional living expenses: Hotel, meals and other costs when disasters displace you
- Personal property protection: Damaged belongings reimbursed at replacement cost
- Liability coverage: Legal costs and damages if someone sues for injuries on your property
- Medical payments: Guest injuries covered regardless of fault
- Loss of use: Extra living costs reimbursed during repairs

Auto-Owners

MoneyGeek Rating

4.5/ 5

4.7/5Affordability

4.5/5Customer Experience

4/5Coverage

J.D. Power Customer Satisfaction Score
621/1,000
Average Annual Premium
$5,921

pros
- Comprehensive coverage options
- Strong financial stability with high AM Best ratings
- Solid financial backing
cons
- Rates run above Arkansas state average
- Claims process slower than expected
- Limited availability in some areas
Auto-Owners charges $5,921 annually for Arkansas home insurance with two notable coverage features. Replacement cost coverage for personal property pays full replacement value instead of depreciated amounts. Water backup coverage handles sewer and drain damage, which matters in Arkansas where heavy rainfall and storm-related plumbing issues occur regularly.

At $5,921 per year, Auto-Owners costs more than Arkansas's $5,040 average and the $3,467 national benchmark. Policy bundling cuts 10% to 20% from your premium when you combine home and auto coverage. Protective devices, such as monitored alarms and storm shutters, earn additional discounts while defending against Arkansas's severe weather.


Older Homes	$537	$6,442
Newer Homes	$322	$3,860
Young Homeowners	$485	$5,818
Senior Homeowners	$443	$5,318
High-Risk Fire Homes	$553	$6,635
Smaller Homes	$504	$6,046
Larger Homes	$599	$7,192

Auto-Owners earned 621 out of 1,000 in J.D. Power's customer satisfaction study, just slightly below the 642 industry average. The company works through independent agents who provide local service and personalized coverage advice. Digital tools remain limited compared to competitors, which may not work well for homeowners who prefer managing policies online.
Auto-Owners provides standard homeowners coverage with optional add-ons:
- Replacement cost coverage: Pays full replacement value for damaged belongings without depreciation deductions
- Water backup coverage: Protects against sewer and drain backup damage from Arkansas's heavy rainfall
- Dwelling coverage: Pays to repair or rebuild your home after covered disasters
- Personal liability: Covers legal costs and damages if someone sues for injuries on your property
- Additional living expenses: Pays hotel, meals and other costs while repairs make your home uninhabitable

Farmers

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4/5Customer Experience

4.2/5Coverage

J.D. Power Customer Satisfaction Score
631/1,000
Average Annual Premium
$3,717

pros
- Rates below the Arkansas state average
- Strong financial stability with high industry ratings
- Customizable add-on coverage options
cons
- Slower claims processing in rural Arkansas counties
- Agent availability varies by location
Farmers is $3,717 a year for Arkansas homeowners. Coverage options are customizable for Arkansas-specific risks: tornado exposure, flooding and rural property considerations all factor into how you build the policy. Personal belongings are covered at replacement cost, not depreciated value.

Farmers home insurance in Arkansas is $3,717 a year, 26% below the state average of $5,040 but 7% above the national average of $3,467. Bundling home and auto saves 10% to 20%. A monitored security system brings the rate down further.


Older Homes	$305	$3,661
Newer Homes	$253	$3,041
Young Homeowners	$300	$3,602
Senior Homeowners	$303	$3,631
High-Risk Fire Homes	$347	$4,165
Smaller Homes	$298	$3,574
Larger Homes	$309	$3,704

Farmers scored 631 out of 1,000 in the J.D. Power customer satisfaction study, below the 642 industry average. Local independent agents handle service for Arkansas homeowners. The online platform covers policy management and claims filing for those who prefer self-service.
Farmers' standard policy covers the basics. These add-ons let you customize further:
- Dwelling coverage: Repairs or rebuilds your home after covered disasters
- Personal property coverage: Damaged belongings reimbursed at replacement cost with no depreciation
- Liability protection: Legal costs and damages if someone sues for injuries on your property
- Additional living expenses: Hotel, meals and other costs while your home is uninhabitable
- Medical payments: Guest injuries covered up to policy limits regardless of fault
- Personal umbrella: Liability protection beyond standard policy limits

Nationwide

MoneyGeek Rating

4.3/ 5

5/5Affordability

3.8/5Customer Experience

2.9/5Coverage

J.D. Power Customer Satisfaction Score
641/1,000
Average Annual Premium
$2,703

pros
- Strong agent network for in-person service
- High financial stability ratings
- Digital tools for policy management
cons
- Not available in all Arkansas counties
- Some add-ons unavailable in certain areas
- Agent gaps in rural regions
Nationwide is $2,703 a year for Arkansas homeowners. Water backup coverage is available as an add-on, useful protection in a state where heavy storms regularly back up sewers and drains. Rebuilding cost coverage adjusts automatically when local construction costs change.

Nationwide home insurance in Arkansas is $2,703 a year, 46% below the state average of $5,040 but 22% above the national average of $3,467. Bundling home and auto saves 10% to 20%. A monitored security system lowers the rate further.


Older Homes	$234	$2,809
Newer Homes	$135	$1,625
Young Homeowners	$218	$2,620
Senior Homeowners	$225	$2,700
High-Risk Fire Homes	$252	$3,028
Smaller Homes	$230	$2,759
Larger Homes	$274	$3,282

Nationwide scored 641 out of 1,000 in the J.D. Power customer satisfaction study, one point below the 642 industry average. Local independent agents handle service for Arkansas homeowners and an online platform covers policy management for those who prefer self-service.
Nationwide's standard policy includes dwelling, personal property, liability and additional living expenses coverage. These add-ons and discounts let you build from there:
- Water backup coverage: Covers sewer and drain backup damage from Arkansas storms
- Market-adjusted rebuilding costs: Coverage amounts update automatically when local construction costs change
- Bundling discounts: Save 10% to 20% by combining home and auto policies
- Home security discounts: Lower your premium by installing a monitored alarm system or smart home devices

Best Arkansas Home Insurance by City

State Farm has the lowest rates across Arkansas, with the best rankings in Conway, Hatfield, Little Rock and Mountainburg. Annual premiums in those cities range from $3,053 to $3,066.


Conway	State Farm	$3,053
Hatfield	State Farm	$3,066
Little Rock	State Farm	$3,059
Mountainburg	State Farm	$3,066

Cheapest Arkansas Home Insurance Companies

Arkansas homeowners pay $5,040 annually for home insurance, 45% more than the national average of $3,467. USAA offers the state's most affordable home insurance at $2,491 annually, 51% below the state average. Nationwide offers solid savings too at $2,703 per year. Premiums vary among insurers. Travelers represents the high end, charging 296% more than the national benchmark.

Cheapest Home Insurers in Arkansas Chart

Guide to Finding the Best Arkansas Home Insurance Company

Compare multiple providers based on your coverage needs, budget and service preferences.

Compare Quotes Strategically

Get quotes from at least three to five insurers. Premiums among top Arkansas providers range from $2,491 to $5,921 annually. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.

Check Customer Satisfaction Metrics

Examine complaint ratios through the Arkansas Insurance Department and review J.D. Power scores, which range from 621 to 737 among the state's leading insurers compared to the 642 industry average. Focus on recent customer reviews detailing claims experiences during Arkansas's tornado season rather than just policy purchase feedback.

Evaluate Coverage Needs

Base your coverage on replacement cost rather than market value, which becomes especially critical in Arkansas, where construction costs surge after tornadoes and flooding. Review optional protections like wind/hail coverage, flood insurance and extended replacement cost options that address your home's specific weather-related risks.

Match Service Preferences to Provider Strengths

Digital-first insurers like Lemonade, Hippo and Root work well if you prefer online policy management, while State Farm, Allstate and Farmers Insurance offer strong local agent networks for face-to-face support. Don't pay premium prices for services you won't use.

ARKANSAS HOME INSURANCE RISKS

Arkansas averaged 32 tornadoes a year between 2017 and 2022, putting it among the top states for tornado frequency according to the National Weather Service. State law lets insurers add tornado deductibles to homeowners policies, calculated at 1% to 5% of your home's insured value. Standard homeowners insurance covers tornado damage but not flood damage — and flooding often follows the same storms. Separate flood insurance is the only way to close that gap.

Top-Rated Home Insurance Companies in Arkansas: FAQ

We answers common questions about Arkansas home insurance:

Does home insurance cover damage from fallen trees in Arkansas?

Home insurance covers damage to your house from fallen trees when wind, lightning, or other covered perils cause the fall. Coverage excludes trees that fell due to rot or neglect. Tree removal is covered only if the tree damages a covered structure, and most policies limit coverage to $500 to $1,000 per tree.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays to rebuild your home or replace belongings at current prices without deducting for depreciation. Actual cash value coverage subtracts depreciation from claim payments. You receive less money based on your property's age and condition. Actual cash value policies cost less up front but leave you covering more expenses out of pocket after a loss.

Does home insurance cover sinkholes in Arkansas?

Most Arkansas home insurance policies exclude sinkhole damage by default, though some insurers offer it as optional coverage. Arkansas doesn't require insurers to provide sinkhole protection, leaving coverage decisions to individual companies. Central and southern Arkansas face higher sinkhole risks, particularly in areas near the Ozark Plateau. Review your policy's exclusions carefully and consider adding sinkhole coverage if you live in these vulnerable regions.

Can I get home insurance if I have a trampoline or swimming pool?

You can get home insurance with a trampoline or swimming pool, though insurers consider these features liability risks. Most companies will require higher premiums and mandatory safety features like nets and padding for trampolines, plus fencing and self-closing gates for pools. Some insurers may exclude coverage for these items entirely or demand additional liability protection. Ensure you carry adequate liability coverage of at least $300,000 to protect against potential accidents.

Our Methodology: Determining the Best Arkansas Home Insurers

Arkansas homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.

We scored insurers across three factors:

Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.

Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.

Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Arkansas's risks.

Our Sample Profile

Rates reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.

Your rates will vary based on your home's age, location, claims history and credit score.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

sources

National Weather Service. "Tornado Data, Information and Links." Accessed February 19, 2026.