Pulaski County
Insurance in North Little Rock, Arkansas
This is home. Our office is on Crystal Hill Road, which means we're not an agency covering North Little Rock from somewhere else — we grocery shop here, our kids play ball here, and when a storm comes through we're looking at the same sky you are.
North Little Rock isn't one place. A 1920s bungalow in Park Hill, a new build off Crystal Hill, a shop in Argenta, a house down in Levy or Rose City near the river bottoms, a family out toward Burns Park — those are five different insurance conversations. We'd rather have the right one with you than run your ZIP code through a rate engine and call it a day.
What we see around North Little Rock
The housing stock here runs the whole range, and that's the single biggest thing that shapes a homeowners policy in this town. Park Hill and the older parts of Levy have beautiful homes built long before modern wiring, plumbing, and roof decking standards. Out toward Crystal Hill and the northwest side, you've got newer construction with different numbers entirely. Argenta has historic buildings that have been turned into shops, lofts, and restaurants — and those come with their own questions about rebuild cost and business coverage.
Then there's the river. Parts of North Little Rock sit close to the Arkansas River and its bottoms, and flood is not covered by a standard homeowners policy anywhere in America — that's a separate policy, usually through the National Flood Insurance Program. Whether you need it depends on your specific address, not your city. We'll look it up with you.
For drivers, it's the I-40 and I-30 interchange, the Broadway and Main Street bridges at rush hour, JFK Boulevard through Park Hill, and deer on the north side of town closer to Camp Robinson and the Crystal Hill area. It's a lot of traffic in a small footprint.
You can be at our office on Crystal Hill Road in a few minutes from just about anywhere in town — and yes, you can just walk in.
What we watch for in North Little Rock
Older homes, modern rebuild costs
If your house was built in 1948, rebuilding it to today's code costs more than rebuilding what's standing there now. Ordinance or law coverage deals with that gap, and a lot of older North Little Rock policies don't have enough of it.
Spring hail and straight-line wind
Central Arkansas gets hail rounds most springs. Roof age and roof surface terms — replacement cost versus actual cash value — matter enormously on a 20-year-old roof, and those terms have been changing on renewals.
River proximity and drainage
Flood is always a separate policy. Some parts of town also deal with street and drainage backup, which is a different endorsement altogether.
Small business density in Argenta
Restaurants, salons, studios, and shops in older buildings need to look hard at business personal property, business interruption, and what the landlord's lease actually requires of them.
Coverage for North Little Rock families and businesses
Home insurance
Dwelling limits that reflect what it would actually cost to rebuild your house — not what you paid for it, and not what Zillow says it's worth. We'll go through roof terms, deductibles, and whether you need ordinance or law coverage on an older home.
Auto insurance
Liability limits that fit the traffic you actually drive in, comprehensive for hail and deer, and an honest conversation about whether the older paid-off vehicle still needs full coverage.
Business insurance
General liability, property, work vehicles, tools, and workers' compensation for the contractors, shops, and service businesses working out of North Little Rock.
Personal insurance
Renters, condo, boat, motorcycle, valuables, and umbrella liability — the coverage that fills the gaps between the home and auto policies.
Around North Little Rock
Neighborhoods, roads, and corners of town we know:
North Little Rock insurance questions we hear
Do you have a walk-in office in North Little Rock?
Yes — 7000 Crystal Hill Rd, Suite 4, North Little Rock, AR 72118, Monday through Friday, 8:30 to 5:00. Call ahead if you want to make sure somebody's free to sit down with you.
Is flood insurance required in North Little Rock?
It depends on your specific property and, if you have a mortgage, on what your lender requires based on the flood zone your address sits in. Flood is never part of a standard homeowners policy. We can look up your address and tell you what you're dealing with.
My house in Park Hill is 80 years old. Is that a problem for insurance?
It's not a problem, but it is a conversation. Carriers look at the age of the roof, the wiring, the plumbing, the heating system, and any updates that have been made. Some carriers are much better with older homes than others — that's exactly where being independent helps.
Come by the office
We're the agency down the road, not a call center with an Arkansas area code. Stop in, call, or send us what you've got and we'll take a look at it.
Mid-Ark Insurance Group – Hickman Agency · 7000 Crystal Hill Rd Ste 4, North Little Rock, AR 72118 · (501) 801-7610 · Mon–Fri, 8:30 AM – 5:00 PM
Coverage described on this page is general information, not a coverage determination or a promise of insurance availability, price, or payment. What a policy covers depends on the policy itself, its endorsements, exclusions, deductibles, the facts of the loss, and carrier review. Mid-Ark Insurance Group – Hickman Agency is an independent agency licensed in Arkansas.