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2024

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Best Homeowners Insurance Agencies in Fayetteville, 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 Fayetteville 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.

52Reviewed

33Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1165 N. Meadowlands Dr, Fayetteville, AR 72704

Expertise.com Rating

Review Sources

Google
4.0 (29)

Why choose this provider?

Farm Bureau Insurance is a company formed more than 65 years ago by a group of Farm Bureau Federation leaders who wanted an agency that could serve their communities. The licensed company can offer a wide range of policies, including home insurance that covers clients from the costs of repairing and replacing properties damaged by unexpected disasters. Its agents can also talk clients through policies that will cover equipment breakdowns.

  • Personal Property Insurance
  • Multiple Policy Types

4706 South Thompson Street, Springdale, AR 72764

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Google
4.4 (7)
Yelp
3.0 (2)

Why choose this provider?

Farris Insurance Agency is a local full-service independent insurance agency that has been providing its services to Fayetteville since started in 1973. One of these services is home insurance, wherein the agency helps the residents in protecting their homes. The firm offers coverage for the dwelling, personal belongings, personal legal liability, other structures in their property, and additional living expenses. Representing a wide range of insurance providers, Farris Insurance Agency also serves Bentonville, Rogers, Siloam Springs, and Springdale.

  • Multiple Policy Types

2420 South School St, Fayetteville, AR 72701

Expertise.com Rating

Why choose this provider?

Located in Fayetteville, The McKinney Agency is a family-owned and operated agency that's been serving clients throughout the surrounding communities for more than three generations. Its independent agents can advise clients on a wide range of home insurance policies offered by major insurers, such as The Hartford, Safeco, and Farmers Union. They can help clients tailor policies so they cover their needs and fit their budgets. The company also specializes in auto, life, and business insurance.

  • Multiple Policy Types

3775 Mall Avenue, Fayetteville, AR 72703

Expertise.com Rating

Review Sources

Google
4.9 (164)
Facebook
4.8 (13)
Yelp
5.0 (2)

Why choose this provider?

Alex Baldwin - State Farm Insurance Agent provides insurance solutions in Fayetteville, Rogers, Springdale, Bentonville, and the surrounding areas. He and his team of licensed insurance professionals offer personal and commercial lines insurance. Alex Baldwin assists clients who want to obtain financial protection for their homes and belongings. State Farm's home insurance policy protects homes against natural disasters, random acts, and damages caused by plumbing accidents. He also assists with auto and renters insurance.

  • Multiple Policy Types

85 South Double Springs Road, Farmington, AR 72730

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (2)

Why choose this provider?

Ronnie Deese Insurance Agency attends to various insurance needs of Fayetteville residents including home insurance. The company provides home insurance plans that cover the property and the contents within it. Property damage caused by windstorms, hail storms, fires, theft, and vandalism is covered by home insurance. Home insurance policies also include liability protection. This covers expenses associated with an injury that the homeowner is legally responsible for. Ronnie Deese Insurance Agency was founded almost two decades ago.

  • Multiple Policy Types

188 West Main Street, Farmington, AR 72730

Expertise.com Rating

Review Sources

Google
4.6 (10)

Why choose this provider?

Davis Insurance Agency, Inc., is a local property insurance agency that serves Fayetteville and other areas in Northwest Arkansas and Northeast Oklahoma. It offers homeowners' insurance, which is a comprehensive policy that covers the house, other structures, and personal possessions in case of damage from fire, theft, or wind. The policy also includes personal liability coverage. It also offers farm insurance and renters' insurance. The agency has been in continuous operation since 1997.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Farm Bureau Insurance
1165 N. Meadowlands Dr, Fayetteville, AR 72704
Farris Insurance Agency
4706 South Thompson Street, Springdale, AR 72764
The McKinney Agency
2420 South School St, Fayetteville, AR 72701
Alex Baldwin - State Farm Insurance Agent
3775 Mall Avenue, Fayetteville, AR 72703
Ronnie Deese Insurance Agency
85 South Double Springs Road, Farmington, AR 72730
Davis Insurance Agency Inc
188 West Main Street, Farmington, AR 72730

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.
  • How much is the monthly cost of homeowners' insurance in Fayetteville?

    Homeowners' insurance in Fayetteville generally costs about $81 to $209 per month. The annual insurance costs can range from $983 to $2,513. In the Fayetteville area, home insurance premiums account for 7.2% of housing costs for homes with a mortgage and 26.2% for homes without a mortgage.

  • Is flooding or storm damage covered under homeowners' insurance in Fayetteville?

    Homeowners' insurance may help cover some causes of storm damage, such as wind, lightning, and hail. However, water damage caused by floods is often not covered by a standard homeowners' insurance policy in Fayetteville. As most homeowners' insurance covers only water damage caused by internal factors, you may have to purchase a separate or additional flood insurance if your house is located in a high-risk area.

  • Does homeowners' insurance in Fayetteville provide personal liability coverage?

    Generally, homeowners' insurance in Fayetteville includes personal liability coverage. This coverage option can help you protect from claims alleging your responsibility for another person's injury or property damage. Additionally, this insurance may protect you if an individual who is not a resident of your household incurs injuries while on your property. Personal liability coverage can include damages such as medical expenses, lost income, and court costs.

  • What are the factors that affect the cost of homeowners' insurance in Fayetteville?

    Geographic location, claims history, dwelling coverage, and age of the home are the common factors that affect the cost of homeowners' insurance in Fayetteville. Additionally, the type of home insurance policy and the distance from a fire station or bodies of water are often considered when determining homeowners' insurance rates. Other factors include the materials used to build the house, the presence of amenities like swimming pools, and a home-based business.

  • Who regulates homeowners' insurance companies in Fayetteville?

    The Arkansas Insurance Department is the regulating body that enforces laws and regulations affecting the insurance industry. This means homeowners' insurance companies in Fayetteville must abide by the rules and statutes set by the state and the department. Additionally, the National Association of Insurance Commissioners develops industry rules and regulations that must be approved by state legislatures.

  • 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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