Your home contains both assets and memories. You can select coverages to reduce losing assets due to unforeseen
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HOURS & LOCATION
Do you own a home? If so is it your primary address or do you rent it out?
Do you own a small 4 unit apartment complex?
Do you rent a house or an apartment?
We can find the best deal on insurance to cover your needs.
How Much Home Insurance is Enough
The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one.
What Coverages are Home Insurance right for you?
We’ll work with you to estimate the replacement cost for your home and to adjust your policy limits from time to time as needed. It is critical that you provide us with accurate, updated information about your home and contents. It’s a good idea to reexamine your coverages and limits from time to time, especially whenever you make additions or improvements. of our agents.
How to be sure You have Enough Homeowners Insurance
Here are some steps you can take to reduce the danger of being seriously underinsured:
Call for a free no obligation review. If you have questions or concerns about the limits of your policy, ask us to show you how those amounts were calculated.
Read your policy. Certain property, such as jewelry, and certain perils, such as earthquake or flood, is better insured separately. Knowing what is covered and for how much will help you insure properly. If there is anything in your policy you don’t understand, contact us at 479-321-3993 and ask for an explanation.
Review. At each annual renewal of your policy, you receive a new Policy Declarations page showing limits of coverage and optional coverages. Review this information. If you do any significant remodeling or add a family room, extra bedroom or bathroom, etc., tell us about these changes so your coverage limits can be adjusted to cover the improvement.
Consider carefully whether your policy provides all the protection you need. Does it provide coverage for extra costs resulting from building code changes? Does it automatically increase coverage limits annually to keep pace with inflation? Does it provide additional funds if the cost of rebuilding your home exceeds the policy limits?
Make sure you know your treasures are protected:
Supplemental coverages are for your art collection, antique furniture, jewelry, or other valuable possessions. Talk to your agent about supplemental coverage limits for fine arts or scheduled property endorsements to adequately protect your investment items. The cost is modest for the extra protection, and often the deductible is waived.
Consider whether you should have more coverage for personal property (contents) than your policy provides. Personal property coverage is usually 70% of the coverage limit for the structure. Your limit may be lower than 70%. Supplemental protection is available for a small additional premium.
Inventory your home. Prepare an inventory of personal property items, update it periodically, and keep it in a safe place outside your home, such as a safe deposit box at your bank. It will save you hours of time trying to list everything damaged or destroyed if you need to make a claim. It will also help ensure you don’t forget some items. We can advise you on ways to simplify the job of preparing a personal property inventory such as videotaping each room with descriptive information on the soundtrack.
Besides getting enough protection to cover possible damage to your own home and contents. You should evaluate your exposure to liability risks which result from damage to the property of another, or injury to a person, not a member of your household, for which you can be responsible.
In recent years it’s become common for homeowners to be sued for injuries or damages to others, even when there is no evidence of negligence by the homeowner. The reality today is if you have any appreciable assets, you are exposed to the risk of being sued. Even if you ultimately prevail in court, your legal fees and the months or years of worry and uncertainty can be a terrible burden on you and your family.
The Personal Liability coverage provided by your Homeowners Policy usually provides a limit of $100,000 or $300,000. We recommend increasing this protection with a personal umbrella policy. Not only will it increase your personal liability, but also your auto liability. Limits are available from $1 million to $10 million and beyond. The cost of this coverage is usually very reasonable.
Keep in mind that Arkansas can require certain minimum levels of coverage. The right coverage for you is unique – talk to us today to find out how to get the best price and value on home insurance for you.
Top Reasons for Landlord Insurance
1 More of what you do need. Less of what you don’t. Our carriers have landlord protection is designed specifically for tenant-occupied, 1-4 unit residences. We know where your responsibility begins and ends, and what you need to be completely covered: • We offer liability protection to cover wrongful eviction and entry claims, with coverage for libel and slander automatically included • Should something ever happen, our 24/7 claims service will process your claim and get your property back to generating revenue quickly.
2 As an independent agent, we listen to your needs and can tailor coverage to fit your needs. We will work to find you the discounts to save you money on your coverage.
You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let us help you find coverage options that protect you, your family, and your personal property. Call us at 479-321-3993 and let us help to make sure you’re properly covered.
What you need to know about renters insurance
Your renter's policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Protect yourself and your guests
Your renter's insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs
Get the right amount of insurance coverage at the best price
Whether you’re starting out, between homes or downsizing, we will help you pick the renter's insurance coverage that best fits your needs. Give us a call today at 479-321-3993 and get covered. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renter's policy.
Extra coverage doesn’t have to cost a lot
Whether you’re starting out, between homes or downsizing, we will help you pick the renter's insurance coverage that best fits your needs. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.