Buffalo Agency, Inc.
122 N 1st St, Cabot, AR 72023
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Cabot households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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122 N 1st St, Cabot, AR 72023
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208 Plaza Blvd, Suite B, Cabot, AR 72023
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13 Nalley Rd, Cabot, AR 72023
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3590 HWY 367, Cabot, AR 72023
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Learn about insurance coverage options specific to Cabot residents.
Everything Cabot, AR residents need to know about auto and home insurance, including state requirements, tornado coverage, and local agents in Lonoke County.
Home InsuranceCabot faces very high tornado risk with insurance averaging $3,948/year. Get coverage tips for new construction, flood protection, and storm prep.
Car InsuranceCabot auto insurance guide: Arkansas requires 25/50/25 liability coverage. Learn about at-fault laws, US-67/167 highway risks, and rates in this Little Rock suburb.
Arkansas requires minimum liability coverage of 25/50/25, which means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. You must carry proof of insurance whenever you drive. However, these minimums may not provide adequate protection in serious accidents, and many experts recommend higher limits if you can afford them.
Yes, standard homeowners insurance policies in Arkansas typically cover tornado and wind damage. However, some policies may have a separate windstorm deductible. It's important to review your specific policy to understand your coverage limits and any special deductibles that apply to wind-related damage.
Flood damage is not covered by standard homeowners insurance policies, even if flooding is caused by a tornado or other severe weather. Approximately 25% of flood insurance claims come from areas not designated as high-risk flood zones. Given Arkansas's flooding risks, especially during spring and summer, it's worth discussing flood insurance with a local agent even if you're not in a mapped flood zone.
Insurance rates in Arkansas are significantly higher than the national average due to severe weather risks, particularly tornadoes. Your specific rate will depend on factors including your home's value, age, construction type, coverage limits, deductible, and any safety features like security systems or storm shelters. The best way to find competitive rates is to get quotes from multiple local agents.
Independent agents work with multiple insurance companies and can shop around on your behalf to find the best coverage at the best price. This can save you time and potentially money. Captive agents (like State Farm agents) represent a single company but can still offer personalized service and access to that company's full range of products and discounts.
Driving without insurance in Arkansas can result in serious penalties including vehicle impoundment, license plate revocation, and registration suspension. You're required to carry proof of insurance at all times while driving. If you can't afford the state minimum coverage, talk to agents about payment plans or state-sponsored programs rather than risking driving uninsured.
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