Category: Home Insurance

Owning a home at a young age comes is great. It comes with many responsibilities and opportunities to make well-thought decisions like marriage or having children. For this reason, you want to make sure your loved ones and your new home is safeguarded with a home insurance policy. With so many additional market policies, finding coverages that will work for you and your family may seem daunting and overwhelming. That’s why Adams Insurance & Financial recommends knowing what to focus on in advance.

The Dwelling Coverage

This coverage covers your entire home; the floor, walls, and ceiling. It also covers critical aspects such as plumbing, wiring, heating, and cooling. The coverage is essential in helping you rebuild your home in case of damage. If you live in Northwest Arkansas, make sure your coverage limits are updated every year to reflect the current rebuild cost.

Personal Property Coverage

All your valuables such as clothing, furniture, appliances, and electronics are covered under personal property coverage. You can choose between a replacement or actual cash value, depending on your preference. However, you might want to get a separate policy for priceless or treasured possessions like artwork, jewelry, and sports memorabilia.

Additional Living Expenses

Also known as loss of use, additional living expenses can be essential, especially when your home is so damaged that it becomes unlivable. Your insurance company in Northwest Arkansas helps you find a convenient place to stay and live as your home gets repaired.

Liability Coverage

Home insurance without liability coverage is incomplete. You may not be in a position to control all accidents that happen in your home, especially with visitors or friends around. Liability insurance helps protect you in case someone sues you for damage or injuries. The coverage is even more essential when you have teenagers in your home.

Let Adams Insurance & Financial help you protect your investment with adequate home insurance. Our talented insurance agents are ready to walk you through the insurance journey and make sure you find coverage that matches your needs, style, and budget. Contact our team today!

At Adams Insurance & Financial, there’s one question we hear a lot from Northwest Arkansas homeowners, "Do I really need insurance?"

The short answer is, yes. There are many reasons why Arkansas homeowners need home insurance! 

You’ve Already Invested a Lot in Your Home.

Even though we enjoy a relatively reasonable standard of living here in Northwest Arkansas, it’s no secret that homeownership isn’t like other purchases. You’ve already invested a lot of time and funds into finding your home, purchasing it, and fixing it up to meet your personal preferences. Why risk it all without having adequate insurance coverage in place? 

Life is Full of Surprises

The vast majority of homeowners never expect to lose everything they’ve invested in a fire or other sudden life events, but it happens. Whether you’ve lived in your home for years without incident or have just recently moved, the truth is that surprises can come at any time, and they are very rarely predicted. A good homeowner’s insurance policy is there as a safety net to prevent you from having to lose even more by paying out of pocket for damages. 

Furthermore, here in Arkansas, we are prone to a wide variety of natural disasters. It is worth discussing your specific concerns and needs with our insurance professionals to find the coverage that will be best able to meet them. 

Depending on Where You Live, Insurance May Be Required 

Many condo associations and private communities require homeowners living within them to carry their own insurance coverage. It is worth noting here that any HOA fees paid in these communities very often only carry insurance coverage for common areas; they do not cover your individual home. 

Ready to learn more about your Northwest Arkansas homeowners insurance options or have more questions? Our team at Adams Insurance & Financial is here to help! Give us a call, or send us a message today.