Key Takeaways
- Arkansas homeowners policies follow standard ISO forms with state-specific endorsements
- The state requires specific disclosures for hurricane and windstorm coverage
- Replacement cost coverage is standard for dwellings in most policies
- Arkansas law protects consumers with prompt payment and claims handling requirements
- Flood insurance is not included and must be purchased separately through NFIP or private insurers
Last updated: January 2026
Arkansas Homeowners Insurance
Arkansas follows national homeowners insurance standards with state-specific requirements.
Standard Policy Forms
HO-3 Special Form (Most Common)
| Coverage | Type | Typical Limit |
|---|---|---|
| A - Dwelling | Special (all-risk) | Replacement cost |
| B - Other Structures | Special | 10% of A |
| C - Personal Property | Named perils | 50-75% of A |
| D - Loss of Use | ALE | 20-30% of A |
| E - Liability | Occurrence | $100,000 - $500,000 |
| F - Medical Payments | No-fault | $1,000 - $5,000 |
Arkansas-Specific Requirements
Claims Handling
- Acknowledge claims within 15 days
- Begin investigation within 30 days
- Settle or deny within reasonable time
- Pay interest on delayed payments
Windstorm Coverage
- Special disclosure for windstorm exclusions
- Percentage deductibles must be clearly explained
- Separate acknowledgment required
Exam Tip: Arkansas requires insurers to handle claims promptly and communicate clearly with policyholders throughout the claims process.
Test Your Knowledge
Within how many days must Arkansas insurers acknowledge receipt of a homeowners insurance claim?
A
B
C
D