Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Fort Smith

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Fort Smith Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

55Reviewed

35Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2322 South 58th Street, Fort Smith, AR 72903
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

Based in Fort Smith, Berryhill Insurance Group is a locally owned and operated independent agency that finds affordable policies that meet the coverage needs of its personal and business clients. Its agents can talk clients through a range of homeowner policies, helping them find the right one, and discuss add-ons the client needs but hadn't considered, such as protection from liability claims. Berryhill Insurance Group also specializes in auto, life, and long-term care insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (52)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
19 Pointer Trail, Van Buren, AR 72956
  • Renter's Insurance
  • Flood
  • Fire
  • Condos

Why choose this provider?

Inge Independent Insurance has years of experience helping its personal customers find home insurance policies that provide the coverage they need with premiums they can afford. As it's an independent agency, it can offer a choice of policies from major insurers, such as Americo, Chubb, and Travelers. Its agents see part of their role as educating clients on insurance and helping them understand what their policies cover and what risks they may still be exposed to.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5111 Rogers Avenue, Fort Smith, AR 72903
  • Multiple Policy Types

Why choose this provider?

Sandy Gilkey Insurance Agency represents multiple insurance companies and helps homeowners in Fort Smith protect their investments. Gilkey works closely with clients to assess their needs, understand their objectives, and inform them of coverage options. She also offers home insurance plans that cover personal liability exposures and damages of belongings. Moreover, she walks clients through the claims and payments processes. Sandy Gilkey Insurance Agency maintains partnerships with different insurance carriers, including Progressive, Safeco, and Foremost.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2400 Rogers Avenue, Fort Smith, AR 72901
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Dominguez Insurance has been providing homeowners' insurance to clients in Fort Smith and nearby areas for over 20 years. It works with reputable insurance companies to help clients find an insurance policy that will protect their homes financially. Its insurance agents and staff are trained to help guide and educate clients with enough information about insurance coverage and policies. It also offers insurance coverage for a variety of personal and commercial assets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (118)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3312 Jenny Lind Road, Fort Smith, AR 72901
  • Multiple Policy Types

Why choose this provider?

Located in Fort Smith, the Gary Longley Insurance Agency has been serving the home insurance needs of customers in the Fort Smith and Van Buren areas since 1987. The independent agency's partners include Progressive, National General, and Travelers. This enables its agents to provide clients with a choice of policies suited to different budgets. Additionally, the agents can tailor policies so their clients get the coverage they need. Gary Longley Insurance Agency also specializes in auto and boat insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (25)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
5200 Rye Hill Road East, Fort Smith, AR 72916
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Matthew Lister, based in Fort Smith, is an insurance agent with Farm Bureau Insurance. He helps clients find the right homeowners' insurance policies that can protect their homes against accidents and disasters. These homeowners' insurance policies can also offer financial protection against liabilities such as accidents that might occur on the property. Farm Bureau Insurance also provides other policies, such as auto, boat, farm, commercial business, life, health, and umbrella liability insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What coverage is included in your homeowners’ insurance policy in Fort Smith?

    Standard homeowners’ insurance in Fort Smith provides coverage for property repairs and personal property losses and damages caused by theft or a disaster. It also pays for liability and medical expenses when a guest suffers a physical injury or property damage while on your property. When your home becomes uninhabitable or completely destroyed, homeowners’ insurance generally includes coverage for additional living expenses, such as temporary accommodation and food.

  • What is the public protection classification, and how does it affect homeowners’ insurance premiums in Fort Smith?

    The public protection classification is a fire department’s rating based on its available manpower, water source, and firefighting equipment. The rating ranges from 1 to 10. A high rating of 10 means the fire department has low fire protection and is in a rural location. If the fire department nearest to your Fort Smith home has a low rating, your homeowners’ insurance premium may also be lower. The Insurance Services Office conducts the inspections and assigns these ratings.

  • Does homeowners' insurance in Fort Smith cover replacement or repair expenses for mechanical or electrical breakdowns on home appliances?

    In general, no. This type of coverage, homeowners’ equipment breakdown coverage, is usually purchased in addition to your base policy. Aside from home appliance breakdowns, this coverage can also pay for green upgrades. If you choose to buy a new appliance that is more eco-friendly to replace the broken one, the coverage may pay for up to 125% of the cost. Ask your local homeowners' insurance provider in Fort Smith if they have this coverage option.

  • Will your homeowners’ insurance policy in Fort Smith cover the cost of installing a new roof?

    If the installation is to replace a worn-out roof, the costs won’t be covered. But if the installation is to replace a roof that’s been damaged by a windstorm or a fire, yes, the insurance will pay for the expenses. Most homeowners’ insurance policies in Fort Smith only cover accidents or sudden damages, not damages from normal wear-and-tear. You can choose to purchase a separate replacement cost coverage. This additional coverage pays for repair and replacement needs regardless of cause.

  • How can raising your deductible lower your homeowners’ insurance premium in Fort Smith?

    Opting to carry a higher deductible is a common method for Fort Smith policyholders to reduce premiums. The deductible is the amount you shoulder in your insurance claim. If your deductible is $500, and your claim is worth $2,000, your policy will only cover $1,500. You only pay the deductible when you make a claim. This method is advisable if you think your house has a low risk of getting damaged, hence a lower likelihood for claims.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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