Bear State Insurance Advisors
127 Audubon Dr Ste C 306, Maumelle, AR 72113
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127 Audubon Dr Ste C 306, Maumelle, AR 72113
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127 Audubon Dr, Ste C, Maumelle, AR 72113
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3201 Club Manor Dr, Ste F, Maumelle, AR 72113
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Learn about insurance coverage options specific to Maumelle residents.
Maumelle home insurance guide covering tornado protection, flood risks near Arkansas River, and ways to save 15-25% on premiums with local discounts.
Complete insurance guide for Maumelle, AR residents. Learn about auto requirements, homeowners rates, tornado coverage, and flood protection needs.
If your home is in or near a FEMA-designated flood zone—particularly properties close to the Arkansas River or Lake Willastein—flood insurance is highly recommended and may be required by your mortgage lender. Even if you're not in a high-risk zone, about 25% of flood claims come from moderate-to-low-risk areas, so it's worth evaluating your exposure. Standard home insurance policies don't cover flood damage, so you'll need a separate policy through the National Flood Insurance Program or a private insurer.
Maumelle homeowners typically pay $2,100 to $2,400 annually for home insurance, in line with Arkansas state averages. Your actual premium depends on factors like your home's age, construction quality, coverage limits, deductible, credit score, and claims history. Homes with protective features like impact-resistant roofing or modern security systems often qualify for discounts that can reduce these costs by 15-30%.
Yes, standard home insurance policies in Arkansas cover tornado damage under your dwelling and personal property coverage. This includes damage from high winds, flying debris, and hail that often accompany tornadoes. However, flood damage from heavy rainfall during tornado events requires separate flood insurance. Make sure your dwelling coverage limits are sufficient to rebuild your home at current construction costs if a tornado causes major damage.
Extended replacement cost coverage provides an additional cushion—typically 25-50% above your dwelling coverage limit—if rebuilding costs exceed your policy limits after a covered loss. Arkansas law requires insurers to offer this coverage, and it's particularly valuable given recent volatility in construction costs. For example, if your dwelling coverage is $300,000 but rebuilding after a tornado costs $375,000, extended replacement cost coverage would help bridge that gap.
Yes, Maumelle homeowners can access several discounts. Bundling your home and auto insurance typically saves 15-25%. Installing impact-resistant Class 4 roofing can earn 10-30% discounts. Security systems, monitored fire alarms, and storm shutters also qualify for premium reductions. Additionally, maintaining good credit, staying claims-free for several years, and choosing a higher deductible can all lower your costs.
First, ensure everyone's safety and document the damage with photos and videos before making temporary repairs to prevent further damage (like tarping a damaged roof). Contact your insurance company as soon as possible to start a claim—most insurers have 24/7 claims hotlines. Save all receipts for emergency repairs and temporary living expenses if your home is uninhabitable. Don't make permanent repairs until an adjuster inspects the damage, as this can complicate your claim.
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