If you own a home in Arkansas, it's crucial to protect your investment with the right homeowners insurance policy. Whether you've put down roots in cities like Little Rock or Fort Smith or in quaint towns like Bentonville, you and your family can depend on a home insurance policy from Nationwide. Our customizable policies can help you in the event of home theft, water damage backup, certain natural disasters and more. Importantly, our policies won’t break your bank. Our affordable Arkansas home insurance coverage is available at nationally competitive rates – and you may also qualify for a home insurance discounts. Learn more about Nationwide’s home insurance features and start your free quote today.
Arkansas homeowners coverages and discounts
What we can cover
Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.Explore coverages & options
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Homeowners insurance discounts
Making your policy more affordable.See how you can save
What factors go into determining a homeowners insurance rate?
While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:
Location includes the state, ZIP code, and claims history of the area.
The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.
Age of the house
How new or old the house is, and the upgrades that were made to an older home.
The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.
Owning a swimming pool may increase your liability coverage to cover possible injuries.
If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.
The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.
Policy features that may meet the needs of Arkansas homeowners
- Water backup1 can help protect you from losses caused by backed-up sewer or drain water.
- Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.
Nationwide agents throughout Arkansas are ready to assist you
Select your city below to find an agent near you.
Get a free Arkansas homeowners insurance review
- Increase or decrease your deductible(s)
- Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
- Review our responsive home insurance claim policy
Nationwide coverage in Arkansas
 Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.