For most people in Arkansas their home is their biggest investment and their most prized asset. It just makes good sense to protect something that valuable with insurance.
Even though you want to save money and get the most affordable homeowners insurance you possibly can, do not skimp on the size of your policy. You need to talk with a contractor or a good real estate agent and learn the facts about how much it will actually cost in todays dollars to rebuild your home from the foundation up if there should be a disaster.
You want your policy amount to cover the full rebuilding cost of your home and you want it to cover the value of the contents of your home but do not insure for the value of the land that your home sits on. Many people make this mistake and it can cost them thousands of wasted dollars over the course of several years.
The vast majority of the savings you can easily realize on your homeowners insurance will come from making your home more fire safe and more burglar proof.
Make sure all weeds and brush are cleared well away from any buildings on your property make sure they are clear for at least ten feet.
Outdoor...
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