Arkansas Home Insurance
Independent agency serving the home insurance needs of Conway and all of Arkansas
You’re home is likely your most valuable asset. Wouldn’t you prefer to work with an insurance company that understands and respects this simple fact?
HJC Insurance Group of Conway, Arkansas can help you find the homeowners insurance that provides the most valuable combination of coverage, quality service and fair pricing.
About Home Insurance in Arkansas
Insuring your home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered event. Home insurance may also provide coverage in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners policies differ by the type of residence you own, which losses are covered, and which coverages you choose. The policy you choose will depend on your own needs, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft, or whether it’s a policy that covers only specified losses.
HJC Insurance Group specializes in making it easy to choose the home insurance coverage that gives you the best coverage for the best value.
How much you pay for your home insurance policy depends on several factors, including:
- The coverages you select. Homeowners insurance coverage is priced individually, so how much you’ll pay for your policy depends on the coverages you select.
- Your deductible. Selecting a higher deductible will typically lower your premium by shifting part of the loss payment to you. For example, if you select a $1,000 deductible, you would be responsible for paying the first $1,000 of a covered loss before coverage kicks in.
- Your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
What does homeowners insurance cover?
Every homeowners insurance policy is unique, but a typical home insurance policy in Arkansas will provide some level of coverage for the following:
Property or dwelling coverage will typically pay to repair or rebuild your home if it’s damaged or destroyed by a covered event like a fire or windstorm.
You and Other People
If someone is injured or their property is damaged and you are to blame, personal liability coverage will typically provide financial protection.
Home insurance may pay medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. However, it does not cover healthcare costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses–commonly for up to 24 months–while damage is assessed and your home is repaired or rebuilt.
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal property insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
For more information, call us at 501-499-6929 or request a free quote. Our independent agents in Conway will help you find the best coverage and value on homeowners insurance in Arkansas.