How much homeowners\' insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage. <br>

What should a homeowners\' insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy. <br>

How frequent should one change auto or homeowners\' insurance to another provider?

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years. <br>

7 Best Fort Smith Homeowners Insurance Agencies

Berryhill Insurance Group

2322 South 58th Street, Fort Smith, AR 72903

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Renter's Insurance
Multiple Policy Types
Personal Property Insurance
Multiple Carriers
Flood
Condos

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.

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BHC Insurance

5500 Euper Ln, Fort Smith, AR 72903

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Personal Property Insurance
Multiple Policy Types

BHC Insurance is an independent agency located in Fort Smith that serves personal and commercial customers. Its services for personal customers include finding a choice of home insurance policies from various insurers, enabling customers to get a policy that serves their coverage needs with premiums within their budgets. The agents can tailor the policies to add additional coverage, such as living costs if the family has to temporarily relocate. BHC Insurance also operates from locations in Northwest and Sallisaw, Oklahoma.

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Dominguez Insurance

2400 Rogers Avenue, Fort Smith, AR 72901

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Renter's Insurance
Multiple Policy Types

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.

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Gary Longley Insurance Agency

3312 Jenny Lind Road, Fort Smith, AR 72901

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Multiple Policy Types

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.

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Inge Independent Insurance

19 Pointer Trail, Van Buren, AR 72956

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Renter's Insurance
Flood
Fire
Condos

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.

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Matthew Lister - Farm Bureau Insurance

5200 Rye Hill Road East, Fort Smith, AR 72916

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Renter's Insurance
Multiple Policy Types
Condos

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.

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Sandy Gilkey Insurance Agency

5111 Rogers Avenue, Fort Smith, AR 72903

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Multiple Policy Types

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.

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Best Homeowners Insurance Agencies in Fort Smith

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Homeowners Insurance Agencies FAQs

Berryhill Insurance Group

BHC Insurance

Dominguez Insurance

Gary Longley Insurance Agency

Inge Independent Insurance

Matthew Lister - Farm Bureau Insurance

Sandy Gilkey Insurance Agency

Frequently Asked Questions

Q: How much homeowners\' insurance should someone carry?

Q: What should a homeowners\' insurance include/cover?

Q: How frequent should one change auto or homeowners\' insurance to another provider?

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