A+ Insurance Center
1602 Merrill Dr, Ste A, Little Rock, AR 72211
View this agency's profile to learn more about their services.
Loading...
City directory
Little Rock households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1602 Merrill Dr, Ste A, Little Rock, AR 72211
View this agency's profile to learn more about their services.
212 S Rodney Parham Rd, Little Rock, AR 72205
View this agency's profile to learn more about their services.
11601 Pleasant Ridge Rd, Ste 100, Little Rock, AR 72212
View this agency's profile to learn more about their services.
16719 Cantrell Road, Little Rock, AR 72223
View this agency's profile to learn more about their services.
14309 Cantrell Rd, Ste 5, Little Rock, AR 72223
View this agency's profile to learn more about their services.
11719 Hinson Rd, Ste 100, Little Rock, AR 72212
View this agency's profile to learn more about their services.
10201 W Markham St, #350, Little Rock, AR 72205
View this agency's profile to learn more about their services.
17300 Chenal Pkwy, Ste 120, Little Rock, AR 72223
View this agency's profile to learn more about their services.
11324 Arcade Dr, Ste 4, Little Rock, AR 72212
View this agency's profile to learn more about their services.
2510 S Arch St, Ste A, Little Rock, AR 72206
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Little Rock residents.
Little Rock home insurance averages $2,748-$3,865/year. Learn how weather risk, roof type, and claims history affect rates—plus ways to save.
Home InsuranceLittle Rock home insurance averages $3,865/year. Learn about tornado coverage, flood insurance requirements, and how to save on premiums in Arkansas.
Car InsuranceLittle Rock auto insurance averages $1,656-$2,064/year. Learn about Arkansas's 25/50/25 minimums, at-fault laws, and how to save on coverage.
Car InsuranceLittle Rock car insurance averages $1,979/year. Learn why rates are higher, why comprehensive coverage is essential, and how to save 15-20% with bundling.
General Insurance EducationComplete insurance guide for Little Rock residents. Learn about Arkansas's 25/50/25 requirements, tornado season risks, flood zones, and costs.
Car InsuranceLittle Rock drivers pay $1,656-$2,064/year for car insurance. Learn why rates are higher, how hail coverage works, and discounts that save 15-20%.
The average cost of homeowners insurance in Little Rock ranges from $2,748 to $3,865 annually, depending on coverage levels, deductibles, and your home's characteristics. This is significantly higher than the national average due to Arkansas's severe weather risks, particularly tornadoes and hail storms. Your actual premium will depend on factors like your roof's age and material, claims history, credit score, and the coverage limits you select.
Yes, standard homeowners insurance policies in Arkansas cover tornado damage as part of windstorm coverage. This includes repairs to your home's structure (roof, walls, foundation) and replacement of personal belongings damaged by tornado-force winds or flying debris. However, flood damage caused by tornadoes is not covered by standard policies—you need separate flood insurance for that type of damage.
Yes, installing impact-resistant roofing materials like Class 4 asphalt shingles or metal roofing can qualify you for insurance discounts in Arkansas. While the state doesn't currently have a formal FORTIFIED construction program, most insurance carriers offer discounts for impact-resistant materials since they reduce the likelihood of hail damage claims. Contact your insurance agent to learn about specific discounts available with your carrier.
If your property is located in a Special Flood Hazard Area (SFHA) and you have a federally-backed mortgage, flood insurance is mandatory. Even if you're not in a high-risk zone, flood insurance is worth considering since many flood claims come from moderate and low-risk areas. Standard homeowners policies never cover flood damage, so you need a separate policy through the National Flood Insurance Program (NFIP) or a private insurer. Check your property's flood zone using the City of Little Rock's online flood zone viewer.
Your claims history has a significant impact on your insurance premiums and insurability. Filing multiple claims within a few years—especially for weather-related damage like hail—can lead to higher premiums or difficulty finding coverage. Insurance companies view frequent claimants as high-risk regardless of fault. This is why many Arkansas homeowners choose higher deductibles and only file claims for major damage, absorbing smaller losses themselves to maintain a clean claims history.
Bundling your home and auto insurance with the same carrier typically saves 15-25% and is the easiest discount to capture. Other effective strategies include increasing your deductible, installing impact-resistant roofing, adding protective devices like monitored security systems, maintaining a claims-free history, and shopping around with multiple insurers every few years. Since insurance rates vary dramatically between carriers for the same coverage, comparing quotes from at least three companies can reveal significant savings opportunities.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network