Cole Insurance, Inc.
15480 Highway 43, Suite A, Russellville, AL 35653
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15480 Highway 43, Suite A, Russellville, AL 35653
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Russellville residents.
Russellville home insurance guide: tornado risks, Lake Dardanelle flooding, average costs ($4,023/yr), and essential coverage for Pope County homeowners.
Arkansas requires 25/50/25 liability coverage, which means $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. You must carry proof of insurance at all times while driving. Your insurer must also offer you uninsured/underinsured motorist coverage and personal injury protection, though you can decline them. Most experts recommend carrying higher limits than the state minimum to fully protect your assets.
Home insurance in Russellville averages $3,246 annually, significantly higher than the national average, due to Arkansas's severe weather risks. Russellville is in a very high risk zone for tornadoes, experiences severe storms with large hail, and has a history of major flooding from the Arkansas River and Lake Dardanelle. The 2011 F4 tornado and 2019 record river flooding demonstrate why insurers charge higher premiums to cover these risks.
If you live near the Arkansas River, Lake Dardanelle, Illinois Bayou, or Prairie Creek, flood insurance is essential. Standard home insurance doesn't cover flooding from rising water or overwhelmed storm drains. Russellville experienced record flooding in 2019 that caused extensive damage to homes in low-lying areas. Even if you're not in a designated flood zone, the National Flood Insurance Program offers affordable coverage that's worth considering given the area's flood history.
Renters insurance typically costs $15 to $30 monthly for students and apartment dwellers in Russellville. This coverage protects your personal belongings and provides liability protection if someone is injured in your apartment or if you accidentally cause damage to the building. Many ATU students qualify for good student discounts that can reduce premiums further. Check whether your parents' homeowners policy already extends coverage before purchasing a separate policy.
Yes, bundling home and auto insurance with the same carrier can save Arkansas residents up to 40% on their premiums. Providers like State Farm, Geico, and Allstate offer significant multi-policy discounts that can offset some of the higher home insurance costs driven by weather risks. Get quotes from multiple insurers both bundled and separate to see which approach gives you the best overall price for adequate coverage.
Russellville drivers pay an average of $103 monthly for full coverage, among the lowest in Arkansas where the state average is $151 monthly. Lower rates likely result from fewer accidents, lower crime rates, and less traffic congestion compared to larger cities like Little Rock. Your specific rate depends on your driving record, credit score, age, and vehicle type, but Russellville's overall claims experience keeps average premiums relatively affordable.
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