Allison Insurance & Financial Services
603 Southwest Dr, Ste A, Jonesboro, AR 72401
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603 Southwest Dr, Ste A, Jonesboro, AR 72401
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2512-A Alexander Drive, Jonesboro, AR 72401
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303 E Matthews Ave, Ste 202, Jonesboro, AR 72401
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Learn about insurance coverage options specific to Jonesboro residents.
Jonesboro home insurance averages $1,200-$4,276/year. Tornado alley location, ASU rental market, and severe weather risks explained. Get quotes now.
General Insurance EducationComplete insurance guide for Jonesboro, Arkansas. Learn about tornado coverage, flood insurance, auto rates averaging $1,744/year, and bundling discounts up to 17%.
Home insurance in Jonesboro averages between $1,200 and $4,276 per year depending on your home's value and coverage. For a $300,000 home with standard coverage, expect to pay around $1,080 annually. Rates in Jonesboro are about 6% lower than the Arkansas state average, but Arkansas itself is one of the most expensive states for home insurance due to severe weather risks.
Yes, standard homeowners policies cover tornado damage including wind and hail. However, most Arkansas policies include a percentage-based wind/hail deductible—typically 2% of your dwelling coverage—which means you'll pay the first portion out of pocket. On a $300,000 home, that's a $6,000 deductible before your insurance pays anything.
Standard home insurance does not cover flood damage, and Jonesboro has experienced severe flooding—over 7 inches of rain fell in a single storm system in April 2025. If you're in a FEMA flood zone, your lender will require flood insurance. Even if you're not, consider purchasing a policy through the National Flood Insurance Program, as 20-25% of flood claims come from low-to-moderate risk areas.
You cannot use a standard homeowners policy for rental property. You need a dwelling fire policy or landlord insurance, which covers the structure but not your tenants' belongings. These policies also include loss-of-rent coverage, which reimburses you if storm damage makes your property uninhabitable and you lose rental income during repairs.
Shop multiple carriers, as rates vary significantly—some insurers charge twice what others do for identical coverage. Increase your deductible to $1,000 or higher, bundle your home and auto policies for a 10-20% discount, and install protective devices like monitored security systems or storm shutters. Maintaining your home with a newer roof and updated systems also reduces your premium.
Arkansas state law does not require homeowners insurance if you own your home outright. However, if you have a mortgage, your lender will absolutely require you to carry coverage as a condition of the loan. Even without a legal requirement, home insurance is essential in Jonesboro given the high tornado and severe weather risk.
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