A+ Insurance Center
2228 Albert Pike Rd., Ste. E, Hot Springs, AR 71913
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Hot Springs households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2228 Albert Pike Rd., Ste. E, Hot Springs, AR 71913
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1485 Airport Rd, Ste A, Hot Springs, AR 71913
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115 Sawtooth Oak St., Hot Springs, AR 71901
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1126 Malvern Ave A, Hot Springs, AR 71901
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307 Carpenter Dam Rd D, Hot Springs, AR 71901
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307 Carpenter Dam Rd, Ste D, Hot Springs, AR 71901
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1018 Airport Rd, Ste. 126, Hot Springs, AR 71913
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458 W Grand Ave, Hot Springs, AR 71901
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Learn about insurance coverage options specific to Hot Springs residents.
Hot Springs homeowners pay $1,410-$2,214/year for insurance. Learn about lake property, tornado coverage, flood risk, and historic home protection.
Car InsuranceNavigate Hot Springs' mountain roads with the right auto insurance. Learn about Arkansas's 25/50/25 minimums, at-fault system, and coverage for scenic highways.
General Insurance EducationComplete insurance guide for Hot Springs, AR residents. Learn about auto, home, flood insurance requirements plus life coverage options for lake living.
No, standard homeowners insurance policies do not cover flood damage. If your property is near Lake Hamilton, Lake Catherine, or in a 100-year floodplain, you'll need separate flood insurance through the National Flood Insurance Program or a private insurer. The average NFIP policy in Arkansas costs about $1,244 annually, and lenders typically require it for mortgages on high-risk properties.
Yes, most standard homeowners policies in Hot Springs cover tornado damage under windstorm coverage. However, some policies have a separate windstorm deductible that may be higher than your regular deductible—often calculated as a percentage of your dwelling coverage (like 1% or 2%). Check your policy details to understand your out-of-pocket costs if tornado damage occurs.
Hot Springs homeowners typically pay less than the Arkansas state average. Homes with $100,000-$200,000 in coverage average about $1,410 annually, while $300,000-$400,000 in coverage averages around $2,214. This is well below the Arkansas state average of $3,100-$4,023 per year, making Hot Springs one of the more affordable areas in the state for home insurance.
While not legally required, historic homes benefit from specialized coverage options like ordinance or law coverage, which helps pay for code-required upgrades during repairs. Older homes often have unique construction features that cost more to replace with period-appropriate materials, so consider agreed value coverage or working with insurers experienced in historic properties to ensure adequate protection.
Yes, umbrella insurance is strongly recommended for lakefront property owners. If you have a dock, boats, or frequently host guests for water activities, your liability exposure increases significantly. Umbrella policies sit above your home and auto insurance, providing $1 million or more in additional liability coverage if someone is injured on your property or using your waterfront amenities.
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