Hardee Insurance Group
3590 West US Highway 501, Conway, SC 29526
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Conway households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3590 West US Highway 501, Conway, SC 29526
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Conway residents.
Conway homeowners pay $2,807/year—Arkansas's lowest rates. Learn about tornado risks, Lake Conway flooding, and coverage options for this college town.
Arkansas law requires all drivers to carry liability insurance with minimum limits of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage liability (written as 25/50/25). However, these minimums often aren't enough to fully protect you—most agents recommend higher limits like 100/300/100 to cover serious accidents.
Yes, and it's more important than most students realize. Renters insurance costs $15-30 per month and provides liability coverage if you accidentally cause damage to the building or someone gets injured in your apartment. Your parents' homeowners policy might provide limited coverage for your belongings, but it won't cover liability claims against you as an adult renter.
No, standard homeowners insurance policies specifically exclude flood damage. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. In Arkansas, flood insurance averages $1,244 annually, and 20% of flood claims come from areas outside high-risk flood zones, so even moderate-risk properties should consider coverage.
Arkansas homeowners pay an average of $4,023 per year for homeowners insurance—significantly higher than the national average of $2,423. The higher cost reflects Arkansas's severe weather risks including tornadoes, hail, and thunderstorms. Your actual premium depends on your home's age, value, construction type, and coverage limits.
Common discounts include bundling home and auto (15-25% savings), good student discounts for students with B averages or better (10-25% off), good driver discounts for clean driving records, multi-car discounts, and safety feature discounts for anti-theft devices or advanced driver assistance systems. Local agents can identify all discounts you qualify for across multiple insurance companies.
Local Conway agents offer significant advantages: they understand Faulkner County's specific risks, can shop your coverage across multiple insurers, provide personalized service during claims, and help you navigate complex coverage decisions. While online quotes are convenient, a local agent's expertise and relationship often result in better coverage at competitive prices, especially when bundling policies.
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