The phrase conventional insurance policy may not apply to Arkansas's policyholders, where many require fireproofing, a standard hurricane policy, and even flood insurance. For the homeowner who has insurance, it can protect many of your household belongings. Arkansas’s neighbor California may appear to have dangerous weather, but locals find it exciting to enjoy our outdoor lifestyle in the region during all seasons. Among the top ten interior 100 cities in terms of weather disasters, Tucson has received 39 as of July 2019. Phoenix has received about 27 - which reflects the active and occasionally perilous weather in the state. Despite having one of the most comprehensive fire protection measures in the nation, Tucson ranked 86th nationwide among 30 large metropolitan areas for the level of fire-related losses reported from 2013-2017.
While Arkansas is not known for getting much rainfall, it is still common for locals to get flood insurance to protect against flash flooding, mostly in desert areas closer to the southern regions. While the chance of a home getting a claim is not necessarily high, there are important things to look out for when it comes to protecting your property from flooding. The average Arkansas homeowner policies provide $250,000 in bodily injury liability limits if a person is hurt by your property and around $100,000 in property damage coverage for your home if there is a substantial loss.
Also, a home insurance policy can protect you from liability and provide protection for your belongings in case of an accident or theft. If someone is injured in your home, liability will help pay for damages or injuries caused. While homeowner's policies can help you recover from floods, fires, and other losses, there are many other steps that you can take to protect your home against damages and liability before the unexpected happens. For advice on some of these other tasks, you can take to protect yourself, visit Harvill and Associates Insurance Agency in Arkansas.