Homeowners Insurance

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What is Arkansas Homeowners insurance?

Arkansas homeowners insurance is a package policy. This means that it offers coverage for your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.  

There many different types of Arkansas homeowners insurance policies, ranging from covering most any event you can think of to ones that cover basic events like fire & tornado.  Flood & earthquake coverage must be purchased as add-ons to your homeowner policy. 

If you find you need to file a homeowner claim, keep in mind that claims are paid in two different ways.  One way is depreciation settlement which pays more for older items.  The other is replacement cost which could cover the cost of the replacing either specific items or sections of your house or in some cases the cost to replace the entire house.  

Why do you need Arkansas homeowners insurance?

It is likely your home is your largest investment.  Protecting it and everything inside of it with a homeowners insurance policy is very important.  You don’t want to find yourself in a situation where one of the following events happens and you don’t have any insurance to cover the expenses.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses, including attorney fees.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  
  

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I have been a part of the McGhee Insurance family for over 7 years. They currently provide coverage for both my home and auto. I have referred many family and friends for a variety of their services over the years and feel confident that you too, will see the difference in their approach to service. Simply.. they are the best! Justin. Wise, Little Rock, AR