Built for the house you live in.
The Lumen Select home program is owner-occupied by design — the home you actually live in, underwritten on a modern platform and issued on Cimarron paper. Here's what it covers, what "owner-occupied" quietly rules out, the valuation setting that decides your claim, and the Arkansas weather details that matter more than the quote screen suggests.
The short answer
Lumen Select home covers your dwelling, other structures, personal property, loss of use, personal liability, and medical payments — for the home you live in. Two settings decide how a claim pays: replacement cost vs actual cash value (ACV depreciates, and roofs are where that bites), and insuring the dwelling to full rebuild cost. In Arkansas the peril that matters is wind and hail, often with a separate deductible. The policy is issued by Cimarron Insurance Company (founded 1947, rated A by Demotech) — and because the program is agent-only, we're the way to quote it.
The day it stops being owner-occupied.
Most coverage gaps on this kind of policy don't come from the fine print. They come from life changing and nobody telling the insurance company.
occupied the eligibility line
This program is built for the home you personally live in. Rentals, vacant and seasonal dwellings, and manufactured homes generally sit outside it — those need a carrier written for them.
Why that matters after you buy.
The trap isn't at the quote — it's eighteen months later. You take a job in another city and rent the house out. You inherit a property and it sits empty for months. You gut the kitchen and move out during the renovation. Each of those can push the home outside what an owner-occupied policy was written to cover, and the time you find out shouldn't be at a claim.
The fix is a two-minute phone call. Tell us when the living situation changes and we'll either endorse it or move it to the right market — a landlord policy for a rental, specialty coverage for a vacancy. That's an ordinary part of servicing an account, and it's the kind of thing an agent catches and a quote screen never will.
Wind and hail are the exposure here.
Arkansas sits in an active severe-weather corridor, so on a homeowners policy the perils that matter most are wind, hail, and tornado. Those are typically covered — but the detail that catches owners is the deductible. Many policies apply a separate wind-and-hail deductible, often a percentage of the dwelling limit rather than a flat dollar amount, and it can be much larger than the all-other-perils deductible you think of as "your deductible."
The second thing to confirm is how the roof settles. If an older roof is written on an actual-cash-value basis, depreciation comes out of a roof claim — which, in hail country, is the claim you're most likely to file. On a newer home this often isn't an issue; on an older one it's the whole ballgame.
Two perils sit outside a standard home policy by default. Flood is never included and is a separate policy through the NFIP or a private market. And depending on the home, endorsements like water backup or service line coverage deserve a deliberate yes-or-no rather than an assumption. We walk all of this at the quote, and again at renewal.
Insure to rebuild, not to market value.
A home policy assumes the dwelling limit reflects the full cost to rebuild — not what the house would sell for, not the tax value. Set it low to shave premium and a large claim can leave you short exactly when you can least absorb it. Getting that figure right is worth more than most discounts you'll be offered.
The coverages inside a home policy.
Dwelling
The house itself against covered perils. The limit should reflect full replacement cost, which is what keeps you whole after a total or major loss.
Other Structures
Detached structures — a garage, shed, fence, or deck. Usually a percentage of the dwelling limit, and easy to under-set if you've added a large outbuilding.
Personal Property
Your belongings inside the home. Worth carrying on a replacement-cost basis, and worth scheduling separately for jewelry, firearms, or other high-value items.
Loss of Use
Pays additional living expenses — a rental, meals, storage — if a covered loss makes the home unlivable while it's repaired. Quietly one of the most valued coverages after a fire.
Personal Liability
Protects you if someone is injured or their property damaged and you're responsible — including many incidents away from home.
Medical Payments
A small no-fault amount for guest injuries, regardless of who's at fault. It smooths the minor incidents before they ever become liability claims.
The factors behind the number.
A home is rated on the building, what threatens it, and how you buy it. A handful of factors do most of the work.
Rebuild Value & Construction
The cost to rebuild, square footage, and how the home is built. Getting the rebuild figure right protects you at a claim; getting it wrong is where underinsurance hides.
Roof Age & Condition
On a hail-exposed home, the single biggest lever after rebuild cost. Roof age drives both the premium and whether a roof claim settles at replacement cost or depreciated value.
Location & Protection Class
Distance to fire protection, the area's weather exposure, and local claim trends. Mostly fixed, but a real driver of the base rate before any discount.
Deductibles, Claims & Credit
Your all-perils and wind-hail deductibles, your claim history, and (where Arkansas allows) a credit-based insurance score. The levers you can actually adjust.
The home you live in, in the Mid-South.
This program is narrow on purpose. Appetite and eligibility depend on the home, roof, location, and state, so treat this as a starting point.
Not owner-occupied? We have the market for that.
If the property is a rental, a manufactured home, or something sitting vacant, this isn't the program — but it's a five-minute redirect, not a dead end. We place those through specialty markets built for them, so you still get one agency handling the whole picture.
What Arkansas homeowners actually pay.
That's the typical range for a bundled homeowners policy placed through Cribb Insurance Group across our markets, reflecting a five-year-old $400,000 Northwest Arkansas home — a Cribb average, not a Lumen Select rate and not a quote. Your own number turns on rebuild cost, roof age and construction, your replacement-cost basis and deductibles — including that wind-and-hail deductible — claims history, and, under Arkansas law, a credit-based insurance score. Some homes fall below this band and some well above it. What reliably helps: run the real quote and let us compare it across our markets.
Your policy is Cimarron paper.
Because Lumen Select is a program administrator rather than an insurer, the financial-strength question is about the company that issues the policy: Cimarron Insurance Company, Inc., founded 1947, an admitted property and casualty carrier rated A by Demotech. Read that honestly — Demotech is a different agency from AM Best and the two aren't directly comparable — but nearly eight decades of operating history is a meaningfully different profile from a brand-new insurer. What is new is the program itself, launched in 2024.
Where we earn it on a home policy.
The home mistakes are consistent: the dwelling under-valued below rebuild cost, the roof left on actual cash value without the owner realizing, the wind-hail deductible never explained, and a change in how the home is used that nobody reported. We fix those at the quote and watch them at renewal. And because we're independent — and this program is agent-only — we're also the only ones positioned to tell you when another market beats it.
The policies around this one.
Lumen Select home questions.
What does Lumen Select home insurance cover?
The standard homeowners coverages: the dwelling itself, other structures like a detached garage or fence, your personal property inside, and loss of use if a covered loss makes the home unlivable while it's repaired. On the liability side, personal liability if someone is hurt and you're responsible, plus a small medical-payments amount for guest injuries.
The two settings that quietly decide how a claim pays are whether you're insured on a replacement-cost or actual-cash-value basis, and whether the dwelling limit reflects full rebuild cost.
What does "owner-occupied" mean, and why does it matter?
Owner-occupied means the home you personally live in as your residence. This program is built for that specific situation, which means it's generally not the market for a rental property, a vacant or seasonal dwelling, or a manufactured home.
It also matters after the policy is issued: if you move out and rent the house, leave it empty for an extended period, or convert it to an investment property, the policy may no longer fit. Tell us when your living situation changes so the coverage can change with it.
Who actually issues my Lumen Select home policy?
Cimarron Insurance Company, Inc. Lumen Select, LLC is a program administrator that designs, underwrites, and services the program — but it isn't the insurance company.
Cimarron is an admitted property and casualty carrier founded in 1947 and rated A by Demotech, and it's the name that appears on your declarations page. That structure is normal in insurance, but it's worth knowing whose paper your home is on.
What's the difference between replacement cost and actual cash value?
It's the difference between rebuilding and settling. Replacement cost pays to rebuild with like kind and quality without subtracting for age and wear. Actual cash value pays replacement cost minus depreciation — so a ten-year-old roof is reimbursed as a ten-year-old roof.
Roofs are where this bites most in Arkansas, because some policies settle older roofs on an actual-cash-value basis. For most homeowners, replacement cost on the dwelling is worth having, and confirming which basis your policy uses is one of the most valuable five-minute reviews we do.
How does the program handle wind and hail in Arkansas?
Wind and hail, including tornado damage, are typically covered, and in Arkansas they're the exposures that matter most. The detail that catches owners is the deductible: many policies apply a separate wind-and-hail deductible, often a percentage of the dwelling limit rather than a flat dollar amount, which can be much larger than the all-other-perils deductible.
Flood is not included and is a separate policy. It's worth reading exactly how your policy handles wind, hail, and roof settlement before a storm, not after.
How do I get a Lumen Select home quote in Northwest Arkansas?
Start at our personal quote or call (479) 286-1066. Because Lumen Select is sold only through independent agents, we submit it for you — you can't shop this one yourself. Having your home's square footage, construction type, year built, and roof age handy makes the comparison sharper.
We'll quote Lumen Select against our other personal-lines markets and make sure the rebuild cost, roof settlement basis, and wind-and-hail deductible are set the way they should be — not just the cheapest way.
If our coverage guides and carrier comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas homeowners can find our local explanations.
Lumen Select is one of 40+ carriers we represent.
Which means we can tell you honestly whether this program is the right home for your house — or whether another of our markets prices it better. Since it's agent-only, you can't check that yourself. Run the quote, and we'll set the dwelling to rebuild, confirm the roof settlement basis, explain the wind-hail deductible, and put the number next to the alternatives.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Lumen Select, LLC, Lumen Holdings, or Cimarron Insurance Company, Inc., and this page is not endorsed, sponsored, reviewed, or approved by them. "Lumen Select," "Cimarron," and related marks are marks of their respective owners, used here nominatively to identify a program and carrier we may compare. Lumen Select, LLC is a program administrator with authority to underwrite and sell property and casualty insurance products; it is not the insurance company. Coverage described here is issued by Cimarron Insurance Company, Inc., and issuance of coverage is subject to underwriting review and approval.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, not legal advice, and not a guarantee of coverage, availability, eligibility, or price. The Lumen Select home program is limited to owner-occupied homeowners insurance and is generally not a market for rental, vacant, seasonal, or manufactured-home property; eligibility can be affected if the home's occupancy or use changes. The program operates in a limited number of states, and coverage forms, endorsements, product availability, and eligibility vary by state and are subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. Descriptions of replacement cost, actual cash value, roof settlement, rebuild-cost requirements, and wind-and-hail deductibles are general; your policy's terms control, and flood is a separate policy not included by default. If anything on this page conflicts with the issued policy, the policy controls.
Financial Stability Ratings are opinions of an insurer's financial stability, are subject to change, and are not recommendations to purchase, hold or terminate any policy, nor do they address an insurer's claims-handling practices; current ratings are at demotech.com. The A Financial Stability Rating referenced is assigned by Demotech to Cimarron Insurance Company, Inc., the issuing carrier, and not to Lumen Select, LLC. Demotech is a separate rating organization from AM Best; ratings from different agencies are not directly comparable. Cost figures shown reflect policies placed through Cribb Insurance Group across our markets; the homeowners band reflects a five-year-old $400,000 Northwest Arkansas home. They are Cribb averages, not Lumen Select, Cimarron, or carrier-specific rates, not a quote, and not a guarantee of your rate or your renewal. Any premium is determined by the carrier at quote based on your specific home and risk.
Last reviewed July 2026.