Tico Tax & Insurance LLC
284 Northland Boulevard, Springdale, OH 45246
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Springdale 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.
284 Northland Boulevard, Springdale, OH 45246
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Springdale residents.
Springdale home insurance averages $2,160/year. Learn about tornado coverage, how to save 15% on premiums, and protecting your home in Northwest Arkansas.
Arkansas requires liability coverage of at least 25/50/25, which means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. While these are the legal minimums, many experts recommend higher limits to better protect your assets in a serious accident.
Yes, most standard homeowners insurance policies in Arkansas cover tornado damage as part of windstorm coverage. However, you'll likely have a separate wind/hail deductible that's higher than your standard deductible—often 1-2% of your dwelling coverage amount. Make sure you understand what you'd pay out of pocket before insurance coverage begins.
Standard homeowners insurance doesn't cover flood damage, so you need a separate flood insurance policy if you want that protection. Even if you're not in a designated flood zone, flooding can happen during intense rainfall events. Check FEMA's flood maps for your property and consider the coverage, especially if you're in low-lying areas or near streams.
Arkansas drivers pay an average of $1,652 per year for full coverage auto insurance, which is about 6% below the national average. Minimum coverage averages around $553 annually. Your actual rate depends on your driving record, vehicle type, age, and other factors. It's worth getting quotes from multiple carriers since rates can vary significantly.
Local agents in Springdale understand regional risks like hail damage and tornado exposure, which helps them recommend appropriate coverage. Independent agents can compare quotes from multiple carriers, potentially saving you money while ensuring you have adequate protection. The personal service and local knowledge often make working with an agent worthwhile, especially for homeowners insurance.
A wind/hail deductible is a separate, typically higher deductible that applies specifically to wind and hail damage on your homeowners policy. In Springdale, where hail storms are common (96 hail events detected in recent years), this matters because you'll pay a percentage of your dwelling coverage—often 1-2%—before insurance pays anything. On a $300,000 home with a 2% wind/hail deductible, you'd pay the first $6,000 of damage.
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