Hot Springs

About Hot Springs

Insurance in Hot Springs, AR

Inszone writes insurance in Hot Springs, AR from our office at 911 West Grand Avenue. The office is on West Grand, a few minutes from Central Avenue and Bathhouse Row, with Lake Hamilton a short drive south.

This office is Arkansas Best Insurance Agency. It joined Inszone with its team, its address and its 501-624-8888 number unchanged, and policies carried over. Plenty of Garland County still knows it by its short name, ABI Insurance — either name will find us.

Mike Lipton, CIC, is the Branch Manager and a Senior Commercial Insurance Specialist, with Alissa Hutson, CIC, as Senior Commercial Lines Account Manager. On the personal side, Brandi Bettis, CIC, and Mark Curry are Senior Personal Lines Insurance Specialists, working with Rebecca Harris and LeAnn McEowen.

Rather than being one of the insurance companies in Hot Springs, AR, we are an independent agency that represents many of them. When a carrier raises a wind and hail deductible, stops writing older roofs or declines a lake property, we have somewhere else to take it.

Buy your insurance in Hot Springs, AR!

Personal Insurance in Hot Springs, AR

For Hot Springs households we write homeowners, condo, renters and landlord policies, second and vacation homes, auto, personal umbrella liability, and specialty lines including boats, personal watercraft, RVs and motorcycles.

A lake house on Lake Hamilton, Lake Catherine or Lake Ouachita raises questions a house in town does not. Docks and boathouses are often limited or excluded when they sit over the water, so we check how each carrier treats them before you buy. Homeowners policies typically limit watercraft liability sharply by length or horsepower, and jet skis and other personal watercraft generally need a policy of their own.

Many homes around the lakes are second homes, lived in for part of the year. Second home insurance has to describe that occupancy accurately, and many policies restrict coverage for vandalism and some water damage once a home has been vacant for a set period, commonly 60 consecutive days. If the house is rented on weekends, that is a different risk again, and short-term rental use usually needs its own endorsement or policy rather than a standard homeowners form.

Across Arkansas, severe spring storms drive property claims. Many policies now carry a separate wind and hail deductible, often a percentage of the dwelling limit, and some settle older roofs at actual cash value rather than replacement cost. We translate both into dollars and compare them across carriers, because two quotes at the same premium can settle a hailstorm very differently. Earthquake is excluded from standard homeowners policies and can be added separately if you want it priced.

Drivers comparing car insurance in Hot Springs, AR should know Arkansas requires 25/50/25 liability and is an at-fault state. Insurers must also offer first-party medical and income-loss benefits, which can only be declined in writing.

When we quote auto insurance in Hot Springs, AR, we read your current declarations page first, so the comparison is on the same limits and deductibles rather than a lower number with less behind it. Renters insurance, life and health coverage can be quoted alongside your home and auto.

Business Insurance in Hot Springs, AR

For Hot Springs and Garland County employers we place general liability, commercial property, business owner’s policies, commercial auto and fleet, workers’ compensation, builders risk, cyber liability, employment practices liability and surety bonds. Commercial accounts are handled here, by our Branch Manager and commercial lines team.

Arkansas requires workers’ compensation at three or more employees, and at two or more for building and building-repair work, so contractors reach the threshold sooner than most businesses. Builders risk insures a home or commercial building while it is under construction, which matters around the lakes, where much of the new building is custom homes.

Restaurants, lodging and short-term rental operators, retail along Central Avenue, marinas and boat dealers, contractors, healthcare practices and professional offices are all lines we write regularly. Certificates of insurance and additional insured endorsements are turned around quickly, because that is usually what is holding up a job.

Inszone Insurance agency near me

Our Hot Springs insurance office is open Monday to Friday, 8:00am to 4:30pm, with weekends by appointment. Call 501-624-8888, use the quote form on this page, or come by 911 West Grand Avenue.

From Hot Springs we work with clients across Garland County and the lakes, and in Malvern, Benton and Arkadelphia. For clients in Hot Springs Village, the Arkansas Best office at 4565 N. Hwy 7 is closer, on 501-984-5376. Whether you are pricing a boat dock, working out what your wind and hail deductible costs in dollars, renting out a lake house or hiring your third employee, our insurance agents in Hot Springs, AR can talk through the options available for your situation.

Get your free insurance quote!

FAQs

What are the minimum auto insurance requirements in Arkansas?

Arkansas requires liability limits of at least $25,000 per person, $50,000 per accident, and $25,000 for property damage. Arkansas is an at-fault state, but insurers must offer first-party medical and income-loss benefits that you can decline in writing — worth understanding before you decline them.

Does my homeowners policy include my boat, jet ski or dock?

Usually only in part. Homeowners policies typically limit watercraft liability by length or horsepower, personal watercraft generally need their own policy, and docks and boathouses over the water are often limited or excluded. A boat or PWC policy, plus a check of how your homeowners carrier treats the dock, is the usual answer — a specialist can look at what you keep on the lake and tell you which pieces are missing.

Can I rent out my lake house with a homeowners policy?

Usually not as it stands. Standard homeowners forms generally limit or exclude business use, and renting a home to guests on a short-term basis is treated differently from living in it. Depending on how often it is rented, the answer may be a home-sharing endorsement or a separate dwelling or short-term rental policy. Tell us how the house is used and we will match the form to it.

Does my Hot Springs business need workers’ compensation insurance?

It depends on headcount and industry. Arkansas generally requires coverage at three or more employees, but building and building-repair work requires it at two or more. Agricultural farm labor, domestic servants in a private home and certain nonprofit religious and charitable organizations are outside the requirement.

Is this the same office that was Arkansas Best Insurance Agency (ABI)?

Yes. Arkansas Best Insurance Agency, Inc., often called ABI Insurance, is now part of Inszone Insurance and continues from 911 West Grand Avenue with the same team and the same phone number, 501-624-8888. Policies carried over. The Arkansas Best office in Hot Springs Village is part of Inszone too, at 4565 N. Hwy 7.

How do I get a quote from your Hot Springs insurance office?

Call our Hot Springs office at 501-624-8888, use the quote form on this page, or stop by 911 West Grand Avenue. It speeds things up if you have your current declarations page handy — for business coverage, your annual revenue, payroll by job class and loss runs for the last three to five years. If you have a non-renewal or cancellation notice, bring it; the date on it changes what options we have.