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2024

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Best Renter's Insurance Companies in Fort Smith, AR

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 Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

37Reviewed

24Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1100 S Waldron Rd, Fort Smith, AR 72903
WebsiteLicense: 100102672

Expertise.com Rating

Review Sources

Google
4.7 (50)

Why choose this provider?

Scot Shaw is an insurance agent based in Fort Smith who offers renters' insurance options from State Farm. He is licensed in Arkansas and Oklahama, and can help first-time tenants understand different coverage options. These can include terms regarding personal injury, property damage, and guest liability. He can also review the policies of existing clients to find unnecessary or missing coverages, such as for flooding and vandalism. Scot has been part of State Farm for almost two decades and also offers homeowners' and car insurance plans.

  • Multiple Policy Types
  • Home and Auto Insurance

1120 Garrison Ave, Fort Smith, AR 72901
WebsiteLicense: 100104819

Expertise.com Rating

Review Sources

Google
4.6 (24)
Facebook
5.0 (13)

Why choose this provider?

Cross Pointe Insurance Advisors, LLC, is a Fort Smith agency that has over 12 different branches, all of which serve incoming and longtime tenants. It tailors insurance policies to include or exclude key coverages for personal possessions, property damage, and natural disasters. In addition, the agency can compare the annual rates of renters' policies from multiple carriers. These include nationwide providers like Allstate and Hartford Insurance. Cross Pointe was established in 1889 as the Allan Kennedy Agency, before changing to its current name in 2014.

  • Home and Auto Insurance

5101 Old Greenwood Rd Pebley / Reserves, Fort Smith, AR 72903
WebsiteLicense: 3714

Expertise.com Rating

Why choose this provider?

American National is an insurance company that has been serving Fort Smith and surrounding communities since 1905. It offers a wide range of customizable renters' insurance coverage options for individuals who are renting a house, condo, or apartment. The options include special coverage limits, temporary relocation, and contents replacement costs. The coverages also help tenants in protecting the property, their belongings, and guests. The company supports the US Army Partnership for Youth Success (PaYS) Program which assists discharged soldiers in finding a civilian career.

  • Home and Auto Insurance

7320 Rogers Ave, Fort Smith, AR 72903
WebsiteLicense: 100113389

Expertise.com Rating

Review Sources

Google
4.5 (33)
Facebook
4.8 (20)

Why choose this provider?

Kohler & Green Insurance offers renters' insurance plans to clients in the Fort Smith metro. It addresses the gaps in most apartment complexes' insurance policies to extend protection to renters' belongings. The policy's coverage includes costs for the repair or replacement of a tenant's personal property in case of damage or theft. It also offers additional security for high-value belongings such as jewelry, as well as liability protection in the event of a guest's injury on the premises. Kohler & Green also provides life insurance and auto insurance.

  • Home and Auto Insurance

1001 N 44th Street, Fort Smith, AR 72904
WebsiteLicense: 10927813

Expertise.com Rating

Review Sources

Google
5.0 (305)

Why choose this provider?

Dustin Booth serves the insurance needs of individuals, families, and businesses in and around Fort Smith. He is a State Farm agent who has been with the company for over 13 years, helping home renters secure insurance policies that provide coverage for renters' belongings in cases of theft, accidents, or loss of use. These belongings can include TVs, electronics, furniture, and clothing. Booth and his team also assist clients with auto, homeowners, life, and business insurance policies.

  • Multiple Carriers

11735 Old Highway 71 Suite 102, Fort Smith, AR 72916
WebsiteLicense: 17052236

Expertise.com Rating

Review Sources

Google
4.6 (43)
Facebook
5.0 (31)

Why choose this provider?

Ethan Gammill has been offering State Farm Insurance plans to clients in the Fort Smith area since 2013. Tenants can get coverage for incidents like injuries inside their rental property and personal items that are damaged or stolen. These are usually not covered by the landlord's property insurance. Gammill also provides policies for homes and businesses, along with health and life insurance. In addition, he helps clients who want to invest their money in mutual funds and annuities. He can provide services in Spanish.

  • Home and Auto Insurance

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Scot Shaw
1100 S Waldron Rd, Fort Smith, AR 72903
Cross Pointe Fort Smith
1120 Garrison Ave, Fort Smith, AR 72901
American National
5101 Old Greenwood Rd Pebley / Reserves, Fort Smith, AR 72903
Kohler & Green Insurance
7320 Rogers Ave, Fort Smith, AR 72903
Dustin Booth
1001 N 44th Street, Fort Smith, AR 72904
Ethan Gammill
11735 Old Highway 71 Suite 102, Fort Smith, AR 72916

FAQs

  • How can you show your Fort Smith landlord that you have renters' insurance?

    Provide your landlord in Fort Smith with a copy of your policy's declaration page as proof that you have renters' insurance. A renters' insurance policy's declaration page includes details on your coverage limits, deductible, covered parties, and other information. This document is attached at the front of your policy document.

  • If your personal goods catch fire outside of your rental apartment, would your Fort Smith renters' insurance plan replace them?

    Yes. Your Fort Smith renters' insurance coverage will pay to replace your personal possessions in the event that they catch fire outside of your rental property. For example, your phone and laptop in your backpack would probably be protected if it caught fire during a cookout at your friend's house.

  • Who needs to be covered by your Fort Smith renters' insurance policy?

    The insured names on your Fort Smith renters' insurance policy should include you, your spouse, your kids, and any relatives who live there. It might be necessary for you to list your landlord or property manager as an interested party on your policy if you rent a unit. Your renters' insurance coverage will not extend to interested parties, but your insurer will notify them of any policy modifications.

  • How much time does it take to obtain Fort Smith renters' insurance?

    It should only take you under thirty minutes to obtain renters' insurance in Fort Smith, though the exact time will vary depending on the insurance provider you choose to purchase from. The start date of your renters' coverage is up to you. It can occur on the day you buy the policy, the day after, the week after, or even a few months after purchasing it.

  • Why are bed bugs not covered by renters' insurance in Fort Smith?

    In Fort Smith, bed bug infestations are not covered by renters' insurance since bed bug infestations are not seen as accidental by the insurance company. In addition, bed bugs along with other pest infestations are seen as issues of house maintenance, and a renter's irresponsibility is not covered by renters' insurance. Remember that renters' insurance only covers unplanned, unintentional, or abrupt damage to the rented property.

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