Personal Lines · Home
Homeowners insurance built for Arkansas weather
Hail in April, straight-line winds in June, ice in January. Central Arkansas homes take real weather — and the difference between a good policy and a cheap one shows up the day you file a claim.
What good coverage looks like
Four questions we answer before we quote your home
1. Would your dwelling coverage actually rebuild the house? Building costs have climbed a lot. We look at replacement cost, not market value, so you're not short the day you need it.
2. How does the policy treat your roof? Some pay full replacement cost; others knock off depreciation for age. On a hail claim that difference can run into five figures, so we'll show you which one your quote uses.
3. Are the deductibles set up right? A lot of Arkansas policies carry a separate wind/hail deductible that's a percentage of your dwelling coverage. You ought to know that number before storm season, not after.
4. What isn't covered? Standard homeowners policies generally exclude flood and earthquake. Ask about separate policies or endorsements and how the available options apply to your property.
Review My Home PolicyProperty coverage we place
- Homeowners (HO-3 and HO-5) policies
- Renters and condo unit-owner policies
- Landlord and rental property coverage
- Mobile and manufactured home policies
- Flood and earthquake policies
- Scheduled jewelry, guns & valuables
After the storm
When hail comes through, you call our office — people down the road who know your policy — not a national call center. We'll help you document the damage, get it filed quickly, and make sense of the settlement.
Pair and save
Compare home and auto together and separately
Ask about available multi-policy discounts when reviewing home and auto insurance. Eligibility and savings depend on the insurer and policies. Compare limits, deductibles and terms as well as the price.
Field Notes: What to check after a Central Arkansas hailstorm →
Get a homeowners quote before storm season
We can review available options, explain roof settlement terms and help you understand the deductibles. Coverage depends on the policy issued.
Start My Home QuoteGetting ready for a homeowners quote?
Start with the address, the date you need coverage and what you know about the home's roof, size and updates. Our homeowners insurance estimate guide explains what to gather and how to compare limits, deductibles and roof terms.
If your property includes a shop, barn or other outbuildings, tell us how each is used. The Greenbrier home and outbuildings checklist can help you prepare.