Questions & Answers
Arkansas insurance questions, answered straight
These are the questions folks actually ask us. If yours isn't here, call the office — a real person in North Little Rock will pick up.
What is an independent insurance agency?
An independent insurance agency represents several insurance companies instead of just one. Mid-Ark Insurance Group – Hickman Agency is independent, so we can review the options available through the agency when your needs or renewal terms change. Eligibility, pricing and coverage depend on the applicant and insurer.
Learn more about how our agency works.
How much car insurance do I need in Arkansas?
Arkansas requires liability coverage of 25/50/25 — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. That's the floor, not a plan. One bad wreck can run past those limits, and the difference comes out of your pocket. We usually recommend higher liability limits plus uninsured motorist coverage, and we'll show you what that actually costs per month so you can decide.
See our auto insurance page for a full coverage breakdown.
Does homeowners insurance in Arkansas cover hail and wind damage?
Many homeowners policies include wind and hail coverage, but the deductible, roof settlement terms, exclusions and endorsements can change the answer. We can review your policy and explain what to check.
Will bundling my home and auto insurance save money?
A multi-policy discount may be available, but eligibility and savings depend on the insurer and policies. Ask us to compare the available options for home and auto together and separately. Review limits, deductibles and terms alongside the price.
Start with our personal insurance overview.
What insurance does a small business in Arkansas need?
Most Arkansas small businesses should review general liability, and workers' compensation is required for most employers with three or more employees. Exceptions exist, so businesses with fewer employees should check their situation with our agency or the Arkansas Workers' Compensation Commission. Depending on the work, commercial auto, commercial property or a business owner's policy (BOP) may also be relevant. Tell us how the business runs and what your contracts require so we can review the available options.
Details on our commercial insurance page.
How do I file a claim with Mid-Ark Insurance Group?
Call our North Little Rock office first at (501) 801-7610. We'll help you document the damage, get the claim reported to your carrier the right way, and stay on it until it's settled. Going through your local agent means somebody who knows your policy is in your corner, instead of you working through a national call center by yourself.
Contact information is on our contact page.
Do I need an umbrella policy?
It's worth a look if you own a home, have savings to protect, or carry more exposure than most — teen drivers, a rental property, a pool. An umbrella adds $1 million or more of liability coverage on top of your auto and home limits, and it usually costs a lot less per year than folks expect.
Ask us for an umbrella quote via the quote form.
Why did my insurance rate go up when I haven't filed a claim?
Rates can go up without a claim because insurers consider regional storm losses, repair and construction costs, and broader claim trends. If your renewal changes, ask us to review the terms and options available through the agency. A review does not guarantee a lower price.
Request a free renewal review.