Arkansas Renters Insurance

We work with all of the major insurance carriers in Arkansas who offer renter’s insurance to consumers. Our trained agents can help you find the most comprehensive coverage at the best possible price. In a short amount of time, you can compare policies and get quotes from many different companies. You can then choose the coverage which best suits your needs and budget.

Why You Need Renters Insurance in Arkansas
Wildfires in Texas and Arizona, flooding along the Missouri River, and hurricanes in the southeastern United States and along the eastern seaboard. Living in Arkansas, the headlines alone should be enough to make you realize the importance of renter’s insurance coverage. Any natural disaster can damage or destroy your personal possessions. A kitchen fire or even a broken pipe in a nearby apartment can put you at risk unless you have adequate renter’s insurance protection.

With the turmoil in the housing market over the past few years, more people than ever are renting places to live. A recent estimate put the number of Americans who rent at more than 81 million- and nearly 50 million of them don’t carry renter’s insurance. People have a lot of reasons for why they don’t purchase renter’s insurance. Unfortunately most of the more common reasons given are based on inaccurate information.

Probably the number one reason people don’t buy renter’s insurance is because they think it is too expensive. The fact is that most renter’s insurance policies cost between $200 and $300 for an annual premium. This breaks down to around $18-$25 per month, depending on the value of an individual’s personal belongings, where the rental property is located, and other factors. In the scheme of things, this is really a bargain. For this price you can normally get $30,000 of personal property coverage against theft, fire and natural disasters along with $100,000 of liability coverage.

Another common mistake people make is assuming the landlord’s homeowner insurance will cover their personal property as a renter. Not true. The landlord’s policy does cover the actual structure or building you are renting and the land on which it is built. However, all of the contents of the apartment or rental home are solely the responsibility of the renter when it comes to insurance protection.

If you have a roommate, you may think that you are covered under their policy. In fact, most renter’s insurance policies cover only the policy holder and do not include coverage for roommates.

Most people seriously underestimate the monetary value of their personal possessions. A great reality check is to make a complete inventory of everything you own- furniture, appliances, clothing, electronics, jewelry, CDs and DVDs. Now imagine having to replace some or all of these items out of pocket. For most individuals, this would be impossible. That’s why if you live in Arkansas, it is important to protect your personal property and cherished possessions by purchasing adequate renter’s insurance.

Some Ways To Save
As you’ve already discovered, Arkansas renter’s insurance is very affordable. Here are more ways to save on an annual renter’s insurance premium:

  1. Choose a higher deductible. This will lower the overall cost of a policy.
  2. If they aren’t already present, install smoke alarms, deadbolt locks and a security system in your rental property. Having these safety features will generally give you a discounted price on your annual premium.
  3. If you qualify, ask about discounts for seniors (55+), AAA membership, or other organizational discounts.
  4. Some insurance companies offer savings to non-smokers. Find out about this possibility.

And lastly, shop around. Our friendly, highly-trained agents are available 24/7 to help you find the best possible Arkansas renter’s insurance at a reasonable price. From the comfort of your home or office, you can quickly and easily compare policies and get quotes from several different companies. You can then choose the policy which offers you great protection coverage at a price you can afford.