Patriot Home And Auto
20980 Rogers Dr, Ste 600, Rogers, MN 55374
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20980 Rogers Dr, Ste 600, Rogers, MN 55374
View this agency's profile to learn more about their services.
20980 Rogers Drive SE, Suite 600, Rogers, MN 55374
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Rogers residents.
Rogers home insurance averages $2,054/year—6.4% below Arkansas's average. Learn about tornado coverage, Beaver Lake flood risks, and new construction discounts.
General Insurance EducationComplete Rogers, AR insurance guide covering auto, home, and life coverage. Learn about costs, weather risks, and how to save on premiums in Benton County.
Car InsuranceRogers, Arkansas drivers pay ~$105/month for auto insurance. Learn about 25/50/25 minimums, at-fault rules, I-49 risks, and how to save on coverage.
Rogers actually has lower-than-average home insurance rates compared to the rest of Arkansas, despite tornado risk. The average annual premium for a $600,000 home is $2,054, about 6.4% below the state average. This is likely due to Rogers's newer housing stock and modern building codes. However, Arkansas as a whole has seen significant rate increases in 2024 due to tornado and hail claims, so expect premiums to rise across the region.
No, standard homeowners insurance does not cover flood damage under any circumstances. If you live near Beaver Lake or in areas prone to flash flooding, you need separate flood insurance through the National Flood Insurance Program. The average flood insurance premium in Arkansas ranges from $946 to $1,244 annually. Remember, there's a 30-day waiting period, so you can't wait until storms are forecasted to buy coverage.
Yes, new construction homes typically qualify for lower insurance premiums and additional discounts. Modern building codes mean better wind resistance, updated electrical and plumbing systems, and reduced risk of claims. Many insurers offer discounts for new roofs, impact-resistant materials, smart home security systems, and storm-resistant construction features. Ask your agent about available discounts before closing on your new home.
Some insurers in tornado-prone areas like Rogers use percentage-based wind and hail deductibles instead of flat-dollar amounts. Instead of a $1,000 deductible, you might pay 1% to 2% of your home's insured value—that's $3,000 to $6,000 on a $300,000 home. Always ask your agent specifically about wind and hail deductible terms before purchasing a policy, as this can significantly affect your out-of-pocket costs after severe weather.
Your dwelling coverage should equal the cost to completely rebuild your home with current materials and labor, not your home's market value. With Rogers's rapid growth and construction boom, rebuilding costs are rising. Choose replacement cost coverage rather than actual cash value to avoid depreciation penalties. Review your coverage annually to ensure it keeps pace with construction cost inflation and your home's increasing value.
State Farm, USAA (for military members and families), and Nationwide consistently rank among the top-rated home insurers in the Rogers area based on customer satisfaction and coverage options. However, rates vary significantly based on your specific home and risk factors, so get quotes from multiple carriers. Compare not just premiums but coverage limits, deductibles, and policy endorsements to find the best fit.
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