A square, a hill, and Dickson Street.
Fayetteville has a downtown square that still works as one, a music street running off it, a botanical garden, a mountain with a view over the whole valley, and a university that shapes the rhythm of the year. It also has more people renting than anywhere else in the corridor. Cribb Insurance covers the houses, the rentals, the cars and the businesses — one independent agency, more than forty carriers.
Insurance in Fayetteville, in one place
Cribb Insurance Group is an independent agency in Bentonville, writing across Fayetteville and Northwest Arkansas. Home, auto, the boat and the side-by-side, and the business — all through one agency, compared across more than forty carriers rather than presented from one company's shelf. If what you already have is right, that's what you'll hear. Licensed in Arkansas, Oklahoma, Missouri and Texas.
What Fayetteville actually is.
Saturdays, since 1973
The Fayetteville Downtown Square holds the farmers market that has run on it for half a century, and it stays the centre of town in a way that squares often stop being.
Music, and a lot of it
Dickson Street runs between the square and the university with the Walton Arts Center on it, and it is the reason a lot of people's first memory of Fayetteville involves a band.
The view over the valley
A hill east of downtown with a cross at the top, a retreat centre, and a long view over the valley that costs nothing to go and look at.
Twelve gardens and a butterfly house
The region's botanical garden sits by Lake Fayetteville, with the only butterfly house in Arkansas among the reasons to go.
Trail on both sides of town
A lake with a loop trail to the north and Kessler Mountain to the southwest, which between them cover most of what a weekend needs.
It sets the calendar
The University of Arkansas shapes the year here — the traffic, the rental market, the crowds and the rhythm of the town all move with it.
Living here means owning a particular set of things.
Four policies sit behind an ordinary household here. Each one answers a different question.
Three houses on one street, three different policies.
One is owner-occupied. The one next door is rented out. The one after that has four tenants inside it. Those are three genuinely different policy forms, and no other town in the corridor puts all three on one block as routinely.
Occupancy decides the form — and the expensive version is a house that quietly became a rental while the policy still says owner-occupied. Which form applies to you.
One agency, forty-odd companies, the same people every time.
A captive agent can offer you one company's products. If that company isn't the right fit for your household, there's nothing else to point at. We can say "this isn't your carrier" — and sometimes we do.
Local, independent, and the same voice on the phone.
We're a small team in Bentonville. The person who writes your policy is the person you ring when something happens — which matters at claim time, when knowing the household and the history means the conversation starts somewhere sensible rather than at the beginning.
Being independent is the other half. We compare your situation across more than forty markets, which means the honest answer is sometimes that your current coverage is already right, and sometimes that a company you've never heard of fits your household better than a name you'd recognize.
We're licensed in Arkansas, Oklahoma, Missouri and Texas, and we handle personal, recreational and commercial lines — so the whole picture sits with one agency rather than three. That's where gaps usually turn up: between policies, not inside them.
Working with us in Fayetteville.
Does Cribb Insurance serve Fayetteville?
Yes.
Fayetteville is one of the communities we write in, and our office is on SW Regional Airport Boulevard in Bentonville. We are an independent agency, which means we are not tied to one insurance company. We place business across more than forty carriers and compare your household or your business against several of them at once rather than presenting whatever one company happens to offer. We are licensed in Arkansas, Oklahoma, Missouri and Texas, and we have been placing insurance in Northwest Arkansas for a long time. Most of what we do is for people who live here, and a good deal of it comes from someone telling a neighbour about us. You do not need to come to the office. Most of it happens by phone, by email or online, and you are welcome to come in if you would rather sit down with somebody.
What kinds of insurance can I get through you in Fayetteville?
All of it, which is the practical advantage of one agency rather than several.
On the personal side that means home, auto, renters, condominium, landlord and rental property, umbrella liability, and life. On the recreational side it means boats and watercraft, motorcycles, side-by-sides and ATVs, campers and travel trailers, and collector vehicles. On the business side it means general liability, commercial property, workers compensation, commercial auto, and the specialist lines that go with particular trades and industries. Having it in one place is not only convenient. It means someone is looking at how the pieces fit together, which is where gaps usually turn up, and it means the liability across your home, your vehicles and your business is being considered as one picture rather than three.
Which ZIP codes do Fayetteville use?
Fayetteville delivery addresses commonly use 72701, 72703 and 72704.
Rating is geographic, so where a property sits affects both price and which markets are interested, and in a town with this mix of housing the differences within the city can matter as much as the difference between Fayetteville and the next town. There is a second reason the address deserves attention here. Rental property changes hands and changes use more often than owner-occupied housing does, and tenants move frequently, so a policy still describing a property as owner-occupied after that stopped being true is a common and quiet error.
Do I have to switch everything at once?
No, and plenty of people do not.
It is perfectly reasonable to have us look at one thing, whether that is the home policy because a renewal came in higher than expected or the business because a customer asked for a certificate of insurance. If what you have is competitive and correctly structured, that is what you will hear, and that happens more often than people expect. What we would say is that looking at everything at once tends to be more useful than looking at one piece, because the gaps between policies are where problems usually live rather than inside any single one of them. Bundling can also affect what is available and what it costs. But that is a reason to have the conversation, not a reason to move anything before you are ready to.
What is the fastest way to get a real answer?
Send us your current declarations page.
It is the summary sheet at the front of your policy, it lists your coverages, limits and deductibles, and it lets us rebuild what you already have exactly and compare like for like instead of guessing. Without it, everyone involved is estimating, and the cheapest estimate usually wins by being the thinnest. If you cannot find it, your carrier or your current agent will send you a copy and you are entitled to it. For a business, tell us what the operation actually does rather than what the paperwork says it does, including where the work happens and who drives what. From there it is a phone call or a form, and you are under no obligation at any point.
Are you actually local, or a call centre?
Local, and the same people every time.
We are an independent agency based in Bentonville with a small team, and the person who writes your policy is the person you ring when something happens. That is not a small thing at claim time, when knowing the household and the history means the conversation starts somewhere sensible rather than at the beginning. Being independent matters for a different reason. A captive agent can offer you one company's products, and if that company is not the right fit for your situation there is nothing else to point at. We compare across more than forty carriers, which means the honest answer is sometimes that your current coverage is already right and sometimes that a market you have never heard of fits your household better than a name you would recognise.
We cover the rest of it too.
If our guides are useful, mark Cribb Insurance as a preferred source so more Fayetteville families and businesses can find plain-English answers about their own coverage.
Bring whatever you've got.
House, cars, the boat, the side-by-side, the business — we'll look at the whole picture rather than one policy at a time. Send a declarations page and we'll rebuild your coverage exactly, put it across our markets, and tell you plainly what we find. If what you have is already right, that's what you'll hear.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas, Oklahoma, Missouri and Texas. This page is general information about the agency and the communities it serves. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. It is not legal advice, claims advice, or a legal opinion.
Coverages, limits, deductibles, covered causes of loss and exclusions are set by the carrier, vary by policy form and by state and over time, are subject to underwriting approval and eligibility, and apply only as written in the policy actually issued to you. The policy actually issued to you controls what is covered in every case. References to lines of insurance available through the agency describe the types of coverage we place and are not a representation that any particular product, carrier or price is available for any particular person, property or business. Market availability referenced as "40+ carriers" reflects the agency's overall market access across personal and commercial lines. Statements about bundling describe general industry practice and are not a representation of any saving.
About the places described on this page. Descriptions of parks, trails, lakes, creeks, museums, districts, institutions and other features of Fayetteville and the surrounding area are general information provided for context. No opening hours, admission prices, event dates or programme details are published here because they change; confirm any of that directly with the venue or with the city. Cribb Insurance Group Inc. is not affiliated with, endorsed by or connected to any park, museum, venue, trail system, university, retail development, public body or other organisation referred to on this page.
No population, income, housing or other demographic statistic is published on this page, because the available sources for Northwest Arkansas cities disagree with one another. Descriptions of construction eras, growth and local character are general observations and not a survey. Any reference to how a coverage responds is summarised in general terms only and set out more fully on the relevant coverage page; nothing here is a determination that any coverage, endorsement, limit or settlement basis applies to any policy, person or property.
Last reviewed August 2026.