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AUTO INSURANCE
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or any other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.
Insurance for cars, trucks, boats and more!
Insurance Pros of Central Arkansas can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!
How much auto insurance is right for you?
Based in Little Rock, our team understands the auto insurance needs of our customers.
Auto insurance requirements vary by state. In some states, to drive you must carry:
Liability coverage – to pay for losses you cause others, or:
No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
Both liability and no-fault coverage.
We write insurance in Arkansas and would be happy to help you ensure that you have the right coverage for where you live.
HOME INSURANCE
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Insurance Pros of Central Arkansas can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
Insurance for All Kinds of Homes
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!
What You Need To Know About Homeowners Insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or whether it’s a policy that covers only specified losses.
Insurance Pros of Central Arkansas is here to help you find the right insurance for your home, whether you’re a home or condo owner, a renter, or a landlord. We will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on:
What you select. Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.
How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
Where you set your limits. You may choose to set higher limits than the recommended amount, if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
The Right Coverage. The Right Price. The Right Value.
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection For Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection For You And Others
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
Medical Coverage
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.
Protection For Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen, or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques, or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
BUSINESS Insurance
Business Owner's Policy
As a business owner, you strive to make decisions that are right for your business, your employees and yourself. This includes decisions about business insurance. You know you need excellent coverage. You don't, however, have time to become an expert in business insurance. That’s where Insurance Pros of Central Arkansas can help.
A Business Owners Policy (BOP) combines property, liability, and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.
Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Whether you are a home-based business, small service provider or contractor, Insurance Pros of Central Arkansas will work with you to find the right combination of business insurance coverage to meet your specific needs.
Supplemental Coverage
Extended liability for additional insureds.
Debris removal, personal property.
Tools and equipment.
Valuable records protection and accounts receivable.
In addition to advising you on the right coverage, we provide additional services, such as:
Loss Prevention Programs—with our insurance company partners, we can evaluate your business's current conditions and recommend ways to lower property, auto, workers compensation, or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.
Quick Claim Response—when you have a claim and need fast and fair service, we work with you to make that happen. That's why we only represent companies with excellent records for settling claims fairly and promptly.
Competitive Rates—many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage, and pricing.
LIFE INSURANCE
How Much Life Insurance is Enough?
Life insurance is a crucial step in planning for your future. Not only can life insurance provide assurance for your family if you are no longer around, there are life insurance policies that offer benefits while you are living.
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!
Insurance How Much Life Insurance Is Right for You?
Based in Little Rock, at the Insurance Pros of Central Arkansas agency, we understand the life insurance needs of our customers.
The necessity of life insurance depends on your own personal and financial needs. We assist and help you determine the type and amount of life insurance that is appropriate for you and your family. Generally, you should consider life insurance if:
You have a spouse
You have dependent children
You have an aging parent or a physically challenged relative who depends on you for support
Your retirement savings are not enough to insure your spouse’s future against a rising cost of living
You have a sizable estate
You own a business
Additional benefits of life insurance other than providing for your loved ones, in case something happens to you include:
The cash value earned and borrowed from a permanent life insurance policy can be used to help with large expenses, such as a college education or down payment on a home.
The growth of a cash-value policy is tax-deferred -- you do not pay taxes on the cash value accumulation until you withdraw funds from the policy.
Life insurance can be used to cover funeral expenses and pay estate taxes -- consult your tax advisor agent in your nearest city for more information.
CONTACT US
Need insurance? Contact us today. Send a quick note and our strategists will get back to you within one business day—ready to assess risks, customize coverage, and protect what matters most.
