Home, auto, life and everything else — shopped, not sold.

Cribb Insurance Group is a locally owned independent agency in Bentonville. We compare coverage across more than forty carriers, explain the trade-offs in plain English, and tell you when what you already have is fine.

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40+Carriers we can place

4States licensed

Same dayTypical quote turnaround

NWALocal Bentonville office

In plain English

We shop the market and explain the trade-offs.

Instead of quoting one company, we compare homeowners, auto, life, renters, condo, umbrella, flood, boat, motorcycle, RV, rental property and valuable personal property coverage across our carrier market. That gives a household better odds of landing the right balance of premium, deductible and coverage quality — and it means when one carrier's appetite or rate moves, there is somewhere else to go.

The part people find useful: we will also tell you when your current policy is already competitive. That answer costs us a sale and it is the reason the review is worth doing.

Coverages

Personal insurance for every stage.

Each line has its own page with the Arkansas detail and the parts the brochure leaves out.

Homeowners Structure, contents, liability and loss of use — plus the wind and hail deductible that decides what a storm actually costs you. Homeowners insurance → Auto Liability, collision, comprehensive, uninsured motorist, medical payments, rental and roadside. Teen drivers and multi-car handled properly. Auto insurance → Life Term and permanent options sized around income replacement, a mortgage, or what you actually want left behind. Life insurance → Renters Belongings, liability and loss of use. The liability half is the reason to carry it, and it is the half nobody buys it for. Renters insurance → Condo Everything on your side of the seam the master policy stops at — plus the loss assessment line that Arkansas statute makes real. Condo insurance → Umbrella Liability above your home and auto limits. Worth a conversation if there is a teen driver, a pool, a dog or a rental property. Umbrella insurance → Flood Excluded from every homeowners policy, so always a separate decision. FEMA sets NFIP rates, which makes this the one line where price does not vary by agent. Flood insurance → Landlord A rented dwelling needs a different form, not a note to your carrier. Building, owner's liability, and the loss of rents line most owners are missing. Landlord insurance → Boat & watercraft Arkansas requires liability on larger motorboats and on every personal watercraft. Agreed value versus actual cash value is the decision that matters. Boat insurance → Motorcycle Bike, gear and the passenger. Riding apparel coverage is the line most riders do not know exists until they need it. Motorcycle insurance → RV & travel trailer A motorhome is a motor vehicle and a trailer is not, which changes the policy, the registration deadline and who is liable while it is rolling. RV insurance → Collector & specialty Collector vehicles, ATV and UTV, e-bikes, manufactured homes, high value households, earthquake and pet health. Specialty coverage →

What it costs

Planning ranges, not quotes.

These come from policies actually written through our own carrier market. They are not quotes, not carrier-specific, and not a guarantee — and they only appear for the lines where we have enough of our own data to publish honestly.

Cribb cross-market averages for Northwest Arkansas. Planning ranges, not quotes and not any carrier's filed rates. The homeowners band is drawn from premiums on policies actually written through our carrier market and reflects a five-year-old $400,000 Northwest Arkansas home; it is illustrative rather than a quote. Your premium depends on address, drivers, vehicles, limits, deductibles, roof age and material, construction, protection class, claims history and credit-based insurance score. Some households fall below these bands and some fall well above them.
Coverage	Planning range	Who it fits
Auto — state minimum liability	$21–$32 a month	Older paid-off vehicles where the statutory floor is the whole requirement.
Auto — standard liability	$32–$58 a month	Drivers carrying more than the floor without physical damage coverage.
Auto — full coverage	$79–$105 a month	Most drivers, and effectively required on a financed vehicle.
Auto — full coverage with a teen	$147–$237 a month	Households that have just added a newly licensed driver.
Homeowners — bundled	$1,362–$2,250 a year the only annual figure in this table	A five-year-old $400,000 Northwest Arkansas home written alongside auto.
Personal umbrella	$9–$18 a month	Teen drivers, pools, dogs, rental property, or assets worth protecting.
Rideshare endorsement	$6–$13 a month	Anyone driving for a platform — a personal policy alone leaves a gap.
Collector vehicle	$8–$27 a month	Agreed-value vehicles driven occasionally rather than commuted in.

Lines you will not find a number for here: renters, term life and flood. We have not published ranges for those because we do not have enough of our own book behind them to be honest about it, and flood is priced federally by FEMA rather than by us at all. A range we cannot source is a guess, and a guess printed as a price is worse than no price.

Why independent

Independent, captive, or direct.

The difference is legal capacity rather than effort. Arkansas provides that a producer may not act as an insurer's agent unless that insurer has appointed them, so what any agent can offer you is bounded by who has appointed them. All three of these are legitimate; they suit different people.

General description of how the three models work. Individual offices vary. This is general information rather than legal advice.
	Independent agency	Captive agent	Direct / online
Carrier choice	Every carrier that has appointed the agency, compared side by side.	One company's products and pricing.	One platform, or a limited panel.
Depth of knowledge	Broad across many forms.	Deep in one company's forms and claims process — a real advantage when a claim gets complicated.	Self-serve; the depth is yours to supply.
At renewal	Can re-shop across the appointed market.	Limited options if that carrier's rate moves.	Increases go unchecked unless you reshop.
At a claim	A local advocate who can also move you elsewhere afterward.	Carrier-specific support, often excellent within that carrier.	Usually an app or a call center.
Best fit	Households who want choice and long-term review.	People who already know which company they want.	Shoppers who prioritize speed over advice.

Process

Four steps. No jargon.

DiscoverWe learn about the home, the vehicles, the drivers and what you already carry.
CompareWe shop one consistent coverage spec across carriers so the options are actually comparable.
BindYou choose. We handle the paperwork, the lender, the proof of insurance and the ID cards.
ReviewAt renewal we check pricing, gaps and market options so the policy keeps up with your life.

FAQ

What Northwest Arkansas families ask most.

How fast can I get a quote?

Most home, auto, renters and bundle quotes come back the same business day. More complex risks — a hard-to-place home, a collector vehicle, an account with recent claims — can take one to three business days, because those get shopped by hand rather than run through a rater.

Does homeowners insurance cover flood?

No. Flood is excluded from every homeowners policy, so it is always a separate decision and a separate policy. Standard flood coverage is the federal National Flood Insurance Program, and because FEMA sets those rates the price is the same through any agent. Two things matter more than price there: a new policy generally carries a thirty day waiting period, so it cannot be bought against a storm already in the forecast, and the residential building limit sits below a lot of Northwest Arkansas rebuild costs.

Should I bundle home and auto?

Often, and not always, which is why we quote it both ways rather than assuming. Bundling can simplify a renewal and it can put both policies with one carrier, which matters at a claim — one storm that damages the house and a vehicle can mean one deductible instead of two when both sit with the same company. It is worth checking the split option too, because the best home carrier and the best auto carrier for a particular household are not always the same company.

What makes an independent agency different from a captive agent?

Legal capacity, not effort. Arkansas law provides that a producer may not act as an agent of an insurer unless that insurer has appointed them, so what any agent can offer you is bounded by who has appointed them. A captive agent represents one company and knows its forms deeply. An independent agency holds appointments with many and can compare them. Both are legitimate; the difference shows up when a carrier's appetite or rate moves and one of them has somewhere else to go.

Do you publish prices?

We publish planning ranges drawn from policies actually written through our own carrier market, and only for the lines where we have enough of our own data to be honest about it. That is why there are ranges on this page for auto, umbrella and bundled home and not for renters, term life or flood. A range we cannot source from our own book is a guess, and a guess presented as a price is worse than no number.

What do you need from me to start?

Your current declarations pages, if you have them. Reading what you already carry is faster than asking you to describe it, and it is how we find the things people are paying for twice — a rental car benefit on two policies, a scheduled item that was sold years ago, a teen driver still listed after they moved out.

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Local service

A Bentonville agency that knows Northwest Arkansas.

We write across Bentonville, Rogers, Springdale, Fayetteville, Bella Vista, Centerton, Cave Springs, Gravette, Siloam Springs, Pea Ridge and Lowell — and the rest of Arkansas, plus Oklahoma, Missouri and Texas. Rating is geographic in ways that surprise people: distance to a responding fire station and the protection class assigned to an address can differ inside a single town, which is exactly when having more than one carrier to ask is worth something. Insurance by city →

Send us what you already have.

Your declarations pages tell us more in two minutes than a questionnaire does in twenty. We will read them back in plain English, including the deductibles, and tell you where the gaps and the duplicates are. If what you have is already right, we will tell you that.

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📍 Cribb Insurance Group Inc
1601 SW Regional Airport Blvd, Bentonville, AR 72713 📞 (479) 286-1066 ✉️ service@cribbinsurance.com 🕐 Mon–Thu 9:00–5:00
Fri 9:00–4:00

Cribb Insurance Group Inc is an independent insurance agency licensed in Arkansas, Oklahoma, Missouri and Texas. 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, product availability and eligibility vary by state, by policy and over time, are set by the insurance company, and are subject to underwriting approval and to the terms, conditions, limits and exclusions of the policy actually issued. If anything here conflicts with the issued policy, the policy controls.

Cost figures are Cribb cross-market averages drawn from premiums on policies actually written through our carrier market. They are planning ranges, not quotes, not any carrier's filed rates, and not a guarantee of your premium. The homeowners band is illustrative rather than a quote and reflects a five-year-old $400,000 Northwest Arkansas home written alongside auto; the monthly equivalent shown is arithmetic on that annual band. Ranges are not published for every line on this page, and the absence of a range is deliberate.

Flood coverage referenced here is the federal National Flood Insurance Program. We are not FEMA and this page is not endorsed by FEMA. NFIP rates are set by FEMA and do not vary by agent or servicing company, and NFIP coverage limits, program rules, waiting periods and authorization status are subject to change by Congress and FEMA.

Descriptions of independent, captive and direct distribution models are general and individual offices differ; nothing here is a statement about any particular agent, agency or insurance company. Statements about Arkansas law are general information and not legal advice; questions about your own situation should go to a licensed attorney. Cribb Insurance Group Inc does not adjust claims and does not determine coverage.

Last reviewed August 2026.