Two percent of the house. Not two percent of the damage.
Your wind and hail deductible is the most consequential number on your declarations page, it has a floor under it, and almost nobody reads it. That, the $500,000 ceiling on your liability, and the discount that pays you for raising your auto coverage — from an independent agency with direct Progressive Home access.
The short answer
Progressive Home writes homeowners, condo, and renters insurance in Arkansas through independent agents like Cribb Insurance Group. Dwelling coverage runs $100,000 to $2 million. Wind and hail carries its own deductible, currently subject to a 2% minimum. The auto bundle discount scales with your auto liability limit — 5% at Arkansas minimums, up to 15% at higher limits.
Your auto liability limit sets your home discount.
This is the reason to read the auto page and this one together. Progressive's Package Policy discount — the one you get for bundling home and auto — is not a flat number. It's a ladder, and the rung you land on is decided by the bodily injury limit on your auto policy.
Arkansas's minimum BI limit is 25/50. That's this rung — the bottom one.
or 100 CSL up to 9%
The middle of the ladder.
Still the middle — the jump comes later than people expect.
or 200 CSL up to 15%
Three times the bottom rung, on the same house.
It's not a sales argument. It's arithmetic.
Raising your auto liability limits — the thing you should already be doing in an at-fault state where roughly one in six drivers carries no insurance — also triples the discount on your home premium.
The coverage decision and the price decision point the same direction for once. That almost never happens in this business, and nobody tells you about it, because the fact only exists where the auto policy and the home policy touch.
What you can actually select.
| Coverage | Homeowners | Condo | Renters |
|---|---|---|---|
| A — Dwelling | $100,000 to $2 million | $20,000 to $1 million | — |
| B — Other Structures | 2%, 10%, 20%, 30%, 40%, or 50% of Coverage A | — | — |
| C — Contents | 2% to 50% of Coverage A | $0 to $500,000 | $15,000 to $500,000 |
| D — Loss of Use | 10% or 20% of Coverage A | 20% of Coverages A & C combined | 40% of Coverage C |
| E — Personal Liability | $100,000 to $500,000 | $100,000 to $500,000 | $100,000 to $500,000 |
| F — Medical Payments | $1,000 to $5,000 | $1,000 to $5,000 | $1,000 to $5,000 |
The top of the dropdown, not a starting point. There is no $1 million option on the homeowners policy. The form ends.
Five hundred thousand dollars sounds like a lot.
Until you consider what a serious injury on your property actually costs, or what a jury does with a teenage driver in an at-fault state.
Which is the entire reason personal umbrella policies exist. An umbrella sits on top of the home and auto liability you already carry and extends it in millions. If you're at the $500,000 ceiling and you own a pool, a trampoline, a boat, a rental property, or a licensed teenager, the ceiling is the conversation.
Progressive also credits the home policy up to 3% for carrying an umbrella, which softens the cost of fixing it.
And what actually separates them.
Progressive Home builds Arkansas coverage in four steps: the base HOH policy, then HomeShield, HomeShield+, and the Platinum endorsement. Each is the one before it plus more. Most of what separates them is small — lock replacement, fire department charges, credit card forgery. Two rows aren't.
| Coverage | HOH base | HomeShield | HomeShield+ | Platinum |
|---|---|---|---|---|
| Coverage C limit (% of Coverage A) | Variable — you select, 2% to 50% | 50% | 70% | 70% |
| Personal Property Replacement Cost | Not included | Included | Included | Included |
| Increased Replacement Cost on Dwelling | Not included | 25% of Cov A | 50% of Cov A | 50% of Cov A |
| Ordinance or Law | 10% of Cov A | 10% of Cov A | 25% of Cov A | 25% of Cov A |
| Water Backup | Not included | $5,000 | $10,000 | $10,000 |
| Loss Assessment | $1,000 | $2,500 | $5,000 | $5,000 |
| Personal Injury | Not included | Included | Included | Included |
| Special Personal Property | Not included | Not included | Included | Included |
| Identity Management Service | Not included | Not included | Included | Included |
| Fire Department Service Charge | $500 | $750 | $1,000 | $1,000 |
| Credit Card, Fund Transfer, and Forgery | $1,000 | $2,000 | $3,000 | $5,000 |
| Deductible treatment | Standard | Standard | Standard | Waives first $500 on a loss of $50,000 or more |
Personal Property Replacement Cost
The base HOH policy doesn't have it. Which means your belongings settle at actual cash value — depreciated. Your eight-year-old sofa is worth what an eight-year-old sofa is worth, not what replacing it costs. Every tier above base includes it. If you take one thing from that table, take this row.
Increased Replacement Cost on Dwelling
Also absent at base. HomeShield adds 25% above your Coverage A limit; HomeShield+ and Platinum add 50%. This is the row that decides things after a regional storm, when every roofer and framer in Northwest Arkansas is booked solid and material prices are doing what they do. Your dwelling limit got set on a quiet afternoon. Rebuilds don't happen on quiet afternoons.
Loss Assessment
Climbs across the ladder. If you're in one of the newer Northwest Arkansas developments with an HOA that owns common property, that's the coverage that responds when the association assesses every owner for a shortfall after a loss. A thousand dollars doesn't go far in that conversation.
Sublimits inside your contents, not on top of it.
These cap what the policy pays for specific categories regardless of how much contents coverage you carry.
| Category | HOH base | HomeShield | HomeShield+ | Platinum |
|---|---|---|---|---|
| Theft of firearms and related equipment | $2,500 | $2,500 | $4,000 | $6,000 |
| Theft of jewelry and furs | $1,500 | $3,000 ($1,500 per item) | $5,000 ($3,000 per item) | $5,000 |
| Theft of tools | $5,000 | $5,000 | $5,000 | 5% of Cov A |
| Watercraft of all types | $1,500 | $1,500 | $2,500 | $3,000 |
| Trailers or semitrailers of all types | $1,500 | $1,500 | $2,500 | $3,000 |
| Business property on premises | $2,500 | $2,500 | $4,000 | $5,000 |
| Money, coins, bank notes | $250 | $250 | $500 | $1,000 |
| Cosmetic and aesthetic damage to floors | $10,000 | $10,000 | $10,000 | $20,000 |
Read the firearms and tools rows if you live here.
Two thousand five hundred dollars is one decent rifle and a safe. Five thousand in tools is a contractor's truck bed or a serious garage. These are the categories where Northwest Arkansas households routinely own more than the sublimit and have no idea, because nobody adds up what's in the gun cabinet until it's gone.
The fix usually isn't a bigger package — it's scheduling the items individually, which covers them at an agreed value and gets them out from under the sublimit entirely. That's a five-minute conversation and it's worth having before you need it.
Your trailer, again.
The trailer sublimit above is what your home policy pays for a trailer — $1,500 at base. Progressive's personal auto program no longer accepts trailers either. If you own a utility trailer, it isn't fully handled by either policy, and it belongs on a Travel Trailer policy through Recreational Lines.
Same for watercraft: $1,500 of contents coverage is not a boat policy.
And the one that matters is wind/hail.
Progressive Home writes a separate wind and hail deductible alongside the all-other-perils deductible. Most Arkansas homeowners don't know they have two.
| Deductible | Filed in Arkansas | Lowest available right now |
|---|---|---|
| All Other Perils (AOP) | $2,500 · $5,000 · $7,500 · $10,000 · $25,000 · 0.5% · 1% · 2% · 3% · 5% | $2,500 |
| Wind / Hail | $2,500 · $5,000 · $7,500 · $10,000 · $25,000 · 0.5% · 1% · 2% · 3% · 5% | 2% |
| Earthquake | 10% · 15% · 20% | 10% |
| Renters (all perils) | $250 · $500 · $1,000 | $250 |
Two percent of the house — not two percent of the damage. And because 2% is the floor, that's your best case on that house, not your worst.
The filed menu has floors under it.
Progressive Home has the full range filed in Arkansas, and you do choose among them — but not from the bottom. Under the underwriting guidelines in force today, All Other Perils floors at $2,500 and wind/hail floors at 2%. You're selecting upward from there.
The $2,500 floor moves your out-of-pocket. There is no $500 or $1,000 homeowners deductible here. If you're coming from a carrier where you had one, the next ordinary claim — a burst pipe, a kitchen fire, a break-in — costs you more before anything pays. That's not hidden, but it doesn't get said out loud at the quote often enough.
Take 3% or 5% for the premium break and $8,000 becomes $12,000 or $20,000.
What that means on the ground.
A hailstorm that takes your roof off is still very much worth filing, because a full replacement in Northwest Arkansas runs well past $8,000. A storm that bruises one slope and dents the gutters — the kind that generates most of the hail claims in Benton County — probably isn't. You'd be paying for that repair either way.
That's not a defect in the policy. It's what the policy is: catastrophe coverage, not maintenance coverage. But you should know which one you bought, and it changes the math on an aging roof, because your deductible and the roof settlement schedule land on the same claim. An older roof settled at a scheduled percentage, minus $8,000, is a different conversation than the one most people think they're having.
In Benton and Washington County, hail isn't the exotic risk. It's the main event. Your wind/hail deductible is the most consequential number on your declarations page, it's the one nobody reads, and on this carrier it has a floor under it. Whether that floor works for your house is a real question — and it's one of the reasons we quote it against our other markets rather than assuming.
Including one decided by who writes the check.
| Discount | Up to |
|---|---|
| Paid In Full — by Insured | 24% |
| Advance Quote + New Purchase + Accredited Builder (combined) | 19% |
| Paid In Full — Mortgagee Billed | 18% |
| Package Policy — Progressive Auto | 15% (see the ladder above) |
| Claim Free | 12% |
| Advance Quote only | 11% |
| Accredited Builder only | 9% |
| Protective Devices — Fire Protection | 9% |
| Home Update | 5% |
| Package Policy — Flood | 4% |
| Protective Devices — Water Leak Protection | 3% |
| Umbrella | 3% |
| Hip Roof Design | 1% |
| New Purchase only | 1% |
| Secured Subdivision | 0.3% |
| Protective Devices — Burglar Protection | 0.1% |
| E-Policy | $10 |
| Secured Water Heater (with Earthquake coverage only) | $20 |
If your homeowners is escrowed, read this row twice.
Paid In Full by the insured pays up to 24%. Paid In Full billed to the mortgagee pays up to 18%. That's roughly six points of difference, and it's determined entirely by who cuts the check — not by anything about you or your house.
Most Northwest Arkansas homeowners with a mortgage have insurance escrowed by default and have never once thought about it, because nobody presents it as a choice. It is a choice. Whether it's the right one depends on your cash flow and your lender, and that's a real conversation — but it should be a conversation, not an accident.
Four things this state does to your home policy.
Your home will be inspected — after you buy
Progressive Home has a third-party vendor inspect homeowners policies, and the inspection happens after payment is received, not before. Homes with Coverage A over $850,000 get an interior inspection.
We tell people this up front because finding out from a stranger in your driveway is a bad experience, and because a policy is bound before anyone has looked at the house. That's a normal way to do business, but it means the inspection result can matter later. If your roof is at the end of its life or something on the property needs attention, you want that surfaced at the quote, not discovered afterward.
Roof condition drives everything in this state
Arkansas is a hail state, and roofs are where hail and insurance meet. Across the Arkansas market, older roofs are increasingly settled under an Agreed Payment Schedule rather than at full replacement cost — replacement cost typically applies through roughly years 0–7, with scheduled percentages beginning around year seven and stepping down from there. That's a market-wide pattern, not any one carrier's rule, and it's why roof age is the first thing we ask about.
If your roof is a decade old and you're shopping on price alone, you may be buying a policy that pays a fraction of a new roof after the next storm. Ask what settles, not just what it costs.
Flood is separate, and NWA is not exempt
Flood is excluded from every homeowners policy — Progressive's and everyone else's. It's a separate policy.
If your home sits in a Special Flood Hazard Area (Zone A or Zone V), a flood policy has to be in place alongside the homeowners, with building limits that match. Federal law already requires flood insurance on federally backed mortgages in those zones, so for most people this isn't an extra hoop — it's the same requirement arriving from two directions.
The trap is the other direction. Plenty of Northwest Arkansas homes sit outside a mapped flood zone and still flood, because FEMA maps describe river behavior and most NWA water damage arrives as flash flooding down a hillside or a street that couldn't drain. Being out of Zone A means nobody makes you buy it. It does not mean you can't flood. Progressive credits the home policy up to 4% for packaging flood with it, which makes the math friendlier than most people assume.
Credit-based insurance scoring
Progressive uses credit-based insurance scoring on homeowners in Arkansas, as most carriers do. Arkansas regulates it under Ark. Code Ann. § 23-67-401: permitted within limits, never the sole basis for declining, cancelling, or nonrenewing, and subject to reconsideration after an extraordinary life event — a divorce, a death in the family, a serious illness. That reconsideration is not automatic. Nobody will ask. You have to raise it.
And what we actually do.
On May 1, 2026, AM Best affirmed the Financial Strength Rating of A+ (Superior) with a stable outlook for the members of The Progressive Corporation — a list that includes American Strategic Insurance Corp, ASI Assurance Corp, ASI Home Insurance Corp, ASI Preferred Insurance Corp, and ASI Select Insurance Corp, the Progressive Home companies.
That's worth stating plainly.
Progressive's home product has a reputation problem that isn't really about Progressive. In the direct channel, a "Progressive" home quote is often shopped out to an unaffiliated carrier, and the claim experience that follows belongs to whoever's name ended up on the policy.
That's not what's happening here. Cribb Insurance Group places Progressive Home directly, on Progressive Home paper, carrying the same A+ (Superior) rating as Progressive's auto companies.
What an independent agency does at claim time is narrower than some agencies imply. We don't adjust your claim and we can't overrule an adjuster.
What we do: tell you whether a claim is worth filing before you file it — which on a hail claim against an $8,000 wind/hail deductible is frequently the whole question — make sure the coverage that should respond gets identified, chase the file when it stalls, and move you to another of our markets if Progressive stops fitting. That last one is the part a captive agent structurally cannot do.
A planning range, not a quote.
Typical range for bundled homeowners coverage on policies placed through Cribb Insurance Group across our markets, based on a five-year-old $400,000 Northwest Arkansas home. This is not a quote, not carrier-specific, and not a guarantee. Your premium depends on dwelling value, roof age and material, construction, protection class, deductible selections, claims history, and credit-based insurance score. Some homes fall below this band and some fall well above it.
The policies around this one.
Progressive Home questions.
What's the difference between HOH, HomeShield, HomeShield+, and Platinum?
They're four steps on one ladder, each adding to the one before. The base HOH policy lets you select Coverage C from 2% to 50% of your dwelling limit; HomeShield fixes it at 50%; HomeShield+ and Platinum at 70%.
The two differences that matter most: Personal Property Replacement Cost isn't on the base policy at all, which means your belongings settle depreciated rather than at what replacement costs — every tier above base includes it. And Increased Replacement Cost on Dwelling goes from nothing at base to 25% above your Coverage A limit on HomeShield and 50% on HomeShield+ and Platinum, which is what carries you through a rebuild after a regional storm when prices and schedules blow out. Loss Assessment also climbs from $1,000 to $5,000, which matters if you're in an HOA.
How much does bundling home and auto save with Progressive in Arkansas?
It depends on your auto liability limit, which surprises most people. Progressive's Package Policy discount on the home ladders up with the bodily injury limit on your auto policy: up to 5% if your auto BI is under 50/100, up to 9% in the middle range, and up to 15% at 250/500 and above. Arkansas's minimum BI limit of 25/50 puts you on the bottom rung.
So raising your auto liability — already the right call in an at-fault state where about one in six drivers is uninsured — can triple the discount on your home. Actual discount amounts vary and guidelines are subject to change.
Will Progressive inspect my home after I buy the policy?
Yes. Progressive Home has a third-party vendor inspect homeowners policies, and the inspection is performed after payment is received rather than before binding. Homes with Coverage A over $850,000 require an interior inspection. We'd rather you hear that from us at the quote than from someone in your driveway.
What wind and hail deductible can I get in Arkansas?
You choose it, but not from the bottom. Progressive Home has a full range filed in Arkansas — $2,500 to $25,000 flat, or 0.5% to 5% — and under the underwriting guidelines in force today the lowest wind/hail deductible available is 2%. You're selecting from 2% upward. Guidelines can change.
The important part is how it's calculated: 2% of your dwelling limit, not 2% of the damage. On a $400,000 home that's $8,000 out of pocket before anything pays — and since 2% is the floor, that's the best case on that house. All Other Perils is a separate deductible with its own floor, currently $2,500. Earthquake runs 10%, 15%, or 20%. Renters is $250, $500, or $1,000.
Do I need flood insurance for a home in Northwest Arkansas?
Flood is excluded from every homeowners policy, so it's always a separate decision. If your home is in a Special Flood Hazard Area (Zone A or V), a flood policy must be in place with matching building limits — and federal law already requires it on federally backed mortgages in those zones.
The bigger issue is homes outside a mapped zone. FEMA maps describe river behavior, and a lot of Northwest Arkansas water damage is flash flooding off a hillside or a street that couldn't drain. Nobody makes you buy flood coverage in Zone X. That isn't the same as being safe from it. Progressive credits the home policy up to 4% for packaging flood alongside it.
Does Progressive use credit to rate home insurance in Arkansas?
Yes, as most Arkansas carriers do. Arkansas permits credit-based insurance scoring within limits under Ark. Code Ann. § 23-67-401. It can't be the sole basis for declining, cancelling, or nonrenewing your policy, and you're entitled to reconsideration if an extraordinary life event — divorce, death in the family, serious illness — has affected your credit. It isn't automatic. You have to raise it.
If our insurance guides and coverage comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas families can find our local explanations.
Bring your dec page. We'll read the deductibles out loud.
Progressive Home is one of 40+ carriers we represent, which means we can tell you honestly whether it fits your house — or whether one of our other markets fits it better. Find your wind/hail deductible, your Coverage E, and your package tier. If you can't find them, that's the point. Send it over and we'll tell you what you're actually carrying.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Progressive, and this page is not endorsed, sponsored, reviewed, or approved by Progressive. “Progressive,” “Progressive Home,” “HomeShield,” “Platinum,” and related marks are trademarks of Progressive Casualty Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Progressive Home policies are issued by Progressive Home affiliates.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverage, discounts, deductible availability, program terms, and eligibility vary by state, by property, and over time, and are subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. If anything on this page conflicts with the issued policy, the policy controls. Discount figures are Progressive Home's published Arkansas maximums; actual discount amounts may vary and guidelines are subject to change.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. Cost figures reflect policies placed through Cribb Insurance Group across our markets and are not a quote, not carrier-specific, and not a guarantee of your rate. Roof settlement practices described reflect general Arkansas market patterns and are not any single carrier's filed rule. Statements about Arkansas law are general information, not legal advice.
Last reviewed July 2026.