Arkansas HO8 Insurance

Arkansas HO-8 Insurance policy is designed for older homes in Arkansas. The Arkansas HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Arkansas are Mercury, State Farm Bureau and AAA and they operate in cities such as Little Rock, North Little Rock, Hot Springs or Fort Smith.


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What Will HO8 Insurance Cover in Arkansas?

A standard home insurance policy in Arkansas whether you live in Little Rock, Fort Smith or North Little Rock will cover most damages to your AR home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is Arkansas HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Arkansas. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Arkansas?

The policy will cover any home in the state Arkansas such as:
  • Little Rock, AR
  • Fort Smith, AR
  • North Little Rock, AR
  • Hot Springs National Park, AR
  • Hot Springs, AR
  • Pine Bluff, AR
  • Sherwood, AR
  • Springdale, AR
  • Jonesboro, AR
  • Benton, AR
  • Russellville, AR
  • Fayetteville, AR
  • Conway, AR
  • Searcy, AR
  • Rogers, AR
  • Paragould, AR
  • Monticello, AR
  • El Dorado, AR
  • Blytheville, AR
  • Arkadelphia, AR