Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Springdale

Our Recommended Top 5

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 Springdale 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.

49

Reviewed

31

Curated

5

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2786 North College Avenue, Fayetteville, AR 72703
  • Multiple Policy Types

Why choose this provider?

Larry Bittle - State Farm Insurance Agent has been working with the residents of Springdale and the nearby areas for over 50 years. The agent's team offers coverage for client's primary residences, condos, secondary properties, and apartments. The packages cover repair costs for homes that were damaged due to vandalism, heavy rains, fire and smoke, and high-speed winds. Additionally, Bittle sells insurance plans to cover clients' motor vehicles, businesses, and health care.

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 (50)

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
511 North Thompson Street, Springdale, AR 72764
  • Multiple Policy Types

Why choose this provider?

American International Insurance Agency, Inc., is a Springdale firm that has been addressing diverse insurance needs since 1991. Its partnerships with different insurance providers enable the matching of homeowners' financial objectives to appropriate insurance companies and products. Its homeowners' insurance products serve as financial plans that mitigate possible loss in case of natural disasters or accidents. Homeowners also obtain protection from injury claims and related medical expenses. American International Insurance Agency, Inc., also caters to the Hispanic community.

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.
3.8
Google
3.8 / 5 (9)

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
1554 North College Avenue, Fayetteville, AR 72703
  • Earthquake
  • Multiple Policy Types
  • Flood
  • Fire

Why choose this provider?

G&G Independent Insurance is an insurance agency working with the residents of Springdale and the surrounding communities. The agency represents over 50 insurance providers in order to give clients options regarding coverage for their homes. Its homeowners packages include coverage for the primary residence, any secondary structures on the property, visitors who have been injured on the land, and the contents of the home. The company also sells auto and umbrella 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

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
3612 West Sunset Avenue, Springdale, AR 72762
  • Multiple Policy Types

Why choose this provider?

Jan Phillips is a State Farm insurance agent offering property damage coverage to homeowners in Springdale. Beyond a client's dwelling, the insurance also secures select personal valuables, including keepsakes, hobby items, and home or gardening equipment. It covers natural disasters such as lightning, wind, and hail; instances of fire, theft, and vandalism; and faulty home systems such as frozen plumbing and tearing or bulging in HVAC parts. Phillips is a member of the National Association of Insurance & Financial Advisors.

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.
4.4
Google
4.4 / 5 (19)

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
4706 South Thompson Street, Springdale, AR 72764
  • Multiple Policy Types

Why choose this provider?

Farris Insurance Agency is an independent insurance agency that has been serving Springdale and Northwest Arkansas since it was founded in 1973. It offers homeowners' insurance policies, which protect holders in case of covered losses on their home, other buildings and structures, and personal belongings. It also covers personal legal liability. As an independent agency, Farris Insurance Agency has relationships with statewide and nationwide providers like Metlife, MIBS, Safeco, and The Hartford.

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
4.4 / 5 (7)
Facebook
5.0 / 5 (3)
Yelp
3.0 / 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

Frequently Asked Questions

  • 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 is the average cost of homeowners' insurance in Springdale?

    The median price of homeowners' insurance in Springdale and the rest of Arkansas is $2,123 annually for $250,000 in housing coverage. This is nearly 50% more than the national average of $1,428 for the same value of dwelling insurance. This may be partially attributed to how frequently natural disasters are factored in into insurance claims. Depending on variables such as the likelihood of tornado damage, rates in this region of the U.S. may fluctuate significantly.

  • Are personal belongings covered by homeowners' insurance policies in Springdale?

    Yes. Homeowner policies in Springdale offer personal property coverage with specific limits for various items, including jewelry, lawnmowers, firearms, furs, tools, and computers. These special items may be included in an Inland Marine policy, which is specifically designed to provide coverage for them. Certain personal property items, such as four-wheelers and company property, may not be covered by homeowner policies.

  • Is flooding in Springdale covered by homeowners' insurance?

    Homeowners insurance policies in Springdale usually do not include flood damage, regardless of whether it is caused by heavy rain or a hurricane. To protect your home from flood damage, you can obtain insurance coverage either through FEMA's National Flood Insurance Program or from a private insurance provider. Flood insurance coverage provided by private companies may differ, whereas NFIP flood insurance encompasses the following:

    • $250,000 for the structure of your residence
    • $100,000 for your property and belongings Consider purchasing a separate flood insurance policy if the value of your personal property and dwelling exceeds these limits.
  • Do homeowners' insurance companies in Springdale have the right to refuse coverage or raise premiums based on a client's credit history?

    Yes. Certain insurance providers in Springdale hold the view that the data contained in a credit report can be indicative of clients who are more inclined to file insurance claims. They contend that those more prone to make claims should pay more for insurance. Note, however, that credit history is just one of the many factors insurers consider when evaluating your policy. Your homeowners' insurance premium is also determined by variables such as your location and how much it will cost to restore your property.

  • Is it against the law to not have homeowners' insurance in Springdale?

    No. However, investing in a house without insurance is risky. Without homeowners' insurance, you may be ineligible for a mortgage, as many lenders need homeowners insurance for their own security. After paying off your mortgage, you may also be inclined to drop your insurance. But avoid doing this because, in the case of a property damage or injury lawsuit, a homeowners' insurance policy can safeguard you from costly liabilities.

  • 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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