Home Insurance: Protect the Place You Call Home
Home insurance (also known as homeowners insurance) is your safety net when the unexpected happens to your home or belongings. The benefits of home insurance are: it helps pay for repairs, replacement, or liability expenses after events like fire, storms, theft, or accidents on your property.
At Benchmarq Insurance, we believe home insurance should do more than meet a requirement — it should give you peace of mind. Our team takes the time to explain your coverage, so you know exactly what’s protected and why.
Why Do You Need Home Insurance?
Your home is one of your most valuable assets, and protecting it means protecting your financial future. Home insurance helps cover the cost of repairs or rebuilding if your home is damaged, and it provides liability protection if someone is injured on your property.
Whether it’s a kitchen fire, a fallen tree, or a storm that damages your roof, Benchmarq Insurance helps make sure you’re never left facing those costs alone.
What Does a Standard Home Insurance Policy Cover?
Every home is different, but most standard homeowners insurance policies include these key protections:
Dwelling Coverage – Pays to repair or rebuild your home if it’s damaged by a covered event such as fire, wind, or hail.
Other Structures Coverage – Protects structures not attached to your home, like fences, garages, or sheds.
Personal Property Coverage – Covers your belongings (furniture, clothing, electronics, etc.) if they’re damaged or stolen.
Liability Protection – Covers you if someone is injured on your property or you accidentally cause damage to someone else’s property.
Loss of Use / Additional Living Expenses – Helps pay for temporary living expenses if your home becomes uninhabitable due to a covered loss.
Our agents walk you through each part of your policy so you understand what’s covered — and what additional protection might make sense for your situation.
How Much Home Insurance Do You Need?
Your home insurance needs depend on more than just your home’s market value. You’ll want enough coverage to rebuild your home completely if it’s destroyed, plus enough protection for your belongings and personal liability.
At Benchmarq Insurance, we’ll help you evaluate:
The replacement cost of your home (not just its market value)
The value of your personal property
Local risks such as storms, tornadoes, or flooding
Your personal liability needs
We don’t believe in one-size-fits-all coverage. We believe in coverage that fits you.
Home Insurance Requirements by State
Arkansas Home Insurance
Most Arkansas mortgage lenders require homeowners insurance. With unpredictable weather — from spring storms to winter ice — it’s a smart way to protect your investment. Benchmarq agents help Arkansas homeowners choose policies that safeguard against wind, hail, and lightning damage, as well as liability and theft.
Missouri Home Insurance
Missouri homeowners face everything from tornadoes to flash floods. Even if your lender doesn’t require it, home insurance provides essential protection. We help you understand what’s covered and what’s not, including whether you may need separate flood or earthquake coverage based on your location.
Texas Home Insurance
In Texas, severe storms, hail, and hurricanes can cause significant damage. Standard homeowners policies cover many of these risks, but some areas require additional windstorm or flood coverage. Our Texas-based agents will help you build a plan that fits your home’s location and your personal risk tolerance.
Oklahoma Home Insurance
Oklahoma’s weather can be unpredictable — tornadoes, hail, and wind damage are all common concerns. Benchmarq helps you prepare with strong dwelling and personal property coverage and guidance on optional endorsements that strengthen your protection even more.
How Does Benchmarq Insurance Serve You Better?
As a captive agency, our focus is on deep product knowledge and exceptional service, not juggling multiple companies. That means we know every detail of the coverage we offer, and we use that knowledge to help you get the most from your policy.
When you work with Benchmarq, you get:
Clear, personalized guidance from local experts
Help understanding what’s included and how to maximize your coverage
Support through every step — from quote to claim
A trusted relationship with people who care about your peace of mind
We believe your home deserves more than just “good enough” coverage. It deserves attention, expertise, and genuine care.
Why Choose Benchmarq Insurance?
We set the benchmarq for service and reliability in home protection.
Licensed and local in Arkansas, Missouri, Texas, and Oklahoma
Deep understanding of our products and policy options
Friendly, responsive agents who take time to answer your questions
Commitment to your long-term protection, not just your premium.
We don’t just insure homes. We protect families, memories, and futures.
Get a Free Home Insurance Quote from Benchmarq Insurance
Protect your home with confidence.
Call 479.273.1320 or click “Get a Quote” to talk with a Benchmarq Insurance agent today. We’ll help you understand your options and find the coverage that’s right for your home, your budget, and your life.