Home Insurance in Little Rock

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Little Rock: A Capital City on the River

Situated on the banks of the Arkansas River, Little Rock is the state's capital and its most populous city. While Little Rock was first permanently settled in 1820. it was incorporated as a city in 1835. The U.S. Census Bureau estimated its population at 202,864 in 2022, reflecting a 0.1% increase from 2020.

The city is known for its educational and economic activities. Higher education institutions include the University of Arkansas at Little Rock and the Baptist Health College at Little Rock. They're also two of the city's major employers. joined by Little Rock Air Force Base, Arkansas Children's Hospital, Energy Arkansas and AT&T.

Little Rock's median household income was $56,928 in 2021, reflecting 6.17% growth over the last year. Over 99,000 people in the city are employed, with most in management, sales and retail, office and administrative support, healthcare, education and business occupations.

Fast Facts About Homes in Little Rock

Little Rock's residents include a mix of renters and homeowners. Single-family homes comprise 62% of area dwellings and 53.9% of the city's residents own their homes. Little Rock's average home value is $227,853. increasing 7.65% within the last 12 months.

Every homeowner has unique needs. With VIU by HUB, you can get quotes, view policies and purchase home insurance in Little Rock designed to meet your requirements and budget.

Understanding Home Insurance in Little Rock

A home insurance policy in Little Rock costs an average of $2,740 annually. Homeowners with monthly premiums spend an average of $228 for each payment. Little Rock's typical yearly rate is lower than the state's average but higher than the national average annual cost of $1,820.

Many variables can affect your home insurance costs in Little Rock. Your home's age, value and location are key factors. Others include unique weather-related risks such as flooding and winds. Finally, your prior claims history and credit score also influence your rates.

Risk Factors for Homeowners in Little Rock

Climate threat in Little Rock can result in higher premiums. According to the Risk Factor website, the city has a moderate flood risk. At least 15% of properties in the city face a 26% or greater chance of being "severely affected by flooding over the next 30 years." Little Rock also has a moderate wind risk, with the greatest threat coming from tropical storms.

Choosing Your Policy Options

Home insurance includes your buildings and contents, as well as liability coverage and reimbursement for certain types of expenses. Most home insurance policies consist of four components :

  • Structure: Both attached and unattached buildings on your property
  • Personal property: Electronics, furniture, clothing, toys and other personal effects
  • Liability: Property damage and bodily injury caused by you or your family members, including pets
  • Additional living expenses: Lodging, meals and similar expenses incurred when you can't live in your home due to a covered loss

While home policies cover storm damage from high winds, they usually do not reimburse for flood-related losses. You may need a separate flood insurance policy. which includes both building and contents coverage. You can add flood coverage onto your home policy when you shop through VIU by HUB.

Your Little Rock Home Insurance Solution

Your home is your domain, but it's also a major investment. Safeguard that investment with a custom-tailored insurance policy. VIU by HUB lets you obtain quotes, compare policies and buy home insurance in Little Rock.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Little Rock Guest Guide

U.S. Census Bureau

Little Rock Regional Chamber of Commerce


Neighborhood Scout


Risk Factor

Insurance Information Institute

National Flood Insurance Program

Home insurance in Arkansas by city

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