Fix and Flip Insurance Arkansas

Last updated: June 4, 2025

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"The first rule in investment is don't lose and the second rule in investment is don't forget the first rule." - Warren Buffett

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Fix and flip insurance Arkansas—sometimes called Arkansas renovation insurance or builder’s risk coverage—caters to local real estate investors renovating and reselling properties throughout the Natural State. Unlike standard homeowners policies, this specialized protection takes into account the risks Arkansan flippers actually face: vacant homes, constant construction, and frequent title changes, all of which are common in Arkansas fix and flip and BRRRR (Buy, Rehab, Rent, Refinance, Repeat) projects.

Whether you’re picking up your first Little Rock fixer-upper or running multiple renovations in Fayetteville or Jonesboro, fix and flip insurance is crucial for keeping your investment safe, limiting your personal liability, and making sure your resales stay on schedule.

Arkansas investors have felt the sting of rising insurance costs—on average, fix and flip premiums have surged over 25% in the last year and a half. This trend squeezes your margins and can make or break a deal’s profitability. In our daily work across OfferMarket’s lending and insurance platforms, we analyze hundreds of Arkansas fix and flip policies. Our review finds that many policies are quoted nearly 33% higher than needed, just based on basic lender requirements and the real risk profile of Arkansas properties.

Why does this happen? Many Arkansas real estate investors get their insurance through agencies that don’t really understand commercial property, or fix and flip risks specific to the region. These agencies are often tied to a single carrier—or they simply aren’t motivated to hunt for the best rates, since their commission is tied to your premium. Even well-meaning Arkansas agents often present uncompetitive policies simply due to lack of specialization.

That’s exactly why we built the OfferMarket Insurance rate shopping platform for Arkansas. In less than a minute, you can compare coverage from 40+ carriers and see the best prices and protections for Arkansas investors. Each quote is reviewed by our in-house team, dedicated to saving Arkansas flippers money—whether you’re working in Bentonville, Hot Springs, or anywhere in between. Our Arkansas clients save thousands every month; now let’s see what you can save.

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Fix and Flip Insurance Markets

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Wherever your property is in Arkansas, we’ve got the right coverage for you.

And of course, OfferMarket provides fix and flip insurance options across the entire state of Arkansas, from the Ozarks down to the Delta.

Why You Need Fix and Flip Insurance in Arkansas

1. Vacant Properties Mean Higher Risks in Arkansas

Most Arkansas fix and flip projects start with a house that’s sitting empty. Typical homeowners insurance will often exclude or even cancel coverage on vacant properties—leaving you vulnerable to problems like vandalism, copper theft, or water damage from burst pipes. Arkansas’s unique climate, with hot summers and occasional winter storms, can add to these risks.

2. Renovation and Construction Hazards

From replacing a roof in Little Rock to rewiring a historic cottage in Eureka Springs, renovations in Arkansas bring their own set of hazards:

• Structural mishaps

• Accidents or injuries to local contractors

• Fire from outdated electrical

• Theft of tools or materials

Fix and flip insurance Arkansas is custom-built to protect you at every stage of your renovation—so you can focus on increasing property value, not worrying about disaster.

3. Liability Protection in Arkansas

If someone is injured on your Arkansas job site—whether it’s a hired crew or an uninvited guest—you could be personally liable for their injuries. The right policy provides the general liability protection you need to avoid lawsuits and unexpected medical bills.

What Does Fix and Flip Insurance Arkansas Cover?

Fix and flip insurance in Arkansas is highly customizable, with policies designed to suit your property and your project. Here’s what’s typically included or available:

Property Coverage

Protects your Arkansas property and building materials against:

• Fire

• Vandalism or theft (including copper and appliances)

• Lightning strikes

• Wind and hail (especially relevant in Arkansas storms)

• Water damage (excluding flooding)

General Liability

Covers bodily injury or property damage claims from:

• Slips and falls

• Contractor injuries

• Neighboring property damage

Builder’s Risk

Bundled with property coverage, this protects your house under renovation, plus materials delivered to the job site or stored nearby.

Vacant Property Endorsement

Keeps your insurance active—even when your Arkansas property is unoccupied during the renovation phase.

Tools and Equipment

Optional protection for tools and rented gear if stolen or damaged at your Arkansas project.

Ordinance or Law Coverage

Pays for extra costs if you must bring your Arkansas property up to current building codes after a loss, including demolition or rebuilding.

Loss of Rents

If you rent your property after fixing it up, or keep tenants during your rehab, this coverage protects you from lost rental income due to a covered event.

What is NOT Covered?

• Regular wear and tear, or shoddy workmanship

• Flood damage (needs separate Arkansas flood insurance)

• Earthquake damage (typically not included, may need separate policy)

• Damage from intentional acts or fraud

• Acts of war or government seizure

Always read the exclusions in your policy and consult with your Arkansas insurance agent.

Who Needs Fix and Flip Insurance in Arkansas?

Fix and flip insurance is the go-to solution for a wide range of Arkansas real estate players, including:

• Independent Arkansas investors tackling their first or next project

• Professional house flippers active in Little Rock, Fayetteville, or smaller towns

• Real estate LLCs and local partnerships investing across Arkansas counties

• Wholesalers who briefly take title before a double close

• Private lenders seeking to safeguard their loan collateral in the state

No matter if you’re flipping a cozy bungalow in Hot Springs for $90,000 or renovating a large multi-family building in Bentonville for $2 million, fix and flip insurance in Arkansas should be considered an absolute necessity for responsible risk management.

How Much Does Fix and Flip Insurance Cost in Arkansas?

The price of your Arkansas fix and flip insurance policy will depend on several factors, including:

• The property’s location—whether it’s in Central Arkansas, the Ozarks, or another region

• The current value of the property

• How extensive your renovation budget is (“scope of work”)

• How long the project will take

• The coverage limits you choose

• Your deductible amount

Here’s a quick look at typical Arkansas rates:

Note:
Most annual premiums for fix and flip insurance in Arkansas are refundable on a prorated basis if you sell or refinance before the policy ends. Many Arkansas investors lower costs even further by bundling multiple properties under a portfolio policy.

Best Fix and Flip Insurance in Arkansas

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Arkansas real estate investors have many options for fix and flip insurance, but not all providers understand the unique risks and requirements found in our state. Ultimately, your best choice depends on:

• Your personal risk tolerance

• Your budget and the rates you can access

• How effectively you shop your insurance quotes

• The expertise and service of your insurance team

For most Arkansas investors, the smart move is a well-rounded fix and flip policy that includes property coverage, general liability, business interruption insurance, and—if necessary—flood insurance, especially if you’re working in flood-prone areas.

The best results come from working with an agency that specializes in Arkansas fix and flip insurance and can offer access to a broad range of insurance carriers. Ready to see how much you can save? Get your Arkansas fix and flip insurance quote today!

How to Get Fix and Flip Insurance Through OfferMarket in Arkansas

OfferMarket makes it quick and easy for Arkansas investors to get fix and flip insurance—by connecting you with underwriters who truly understand Arkansas real estate and local investor needs.

The OfferMarket Advantage for Arkansas Investors:

• Fast, local quotes delivered within 24 hours

• Custom policies for everything from single-family homes to portfolios of 100+ Arkansas properties

• Coverage options for every title structure: personal name, LLC, corporation, trust, or partnership

• Experience with Arkansas-specific lender requirements

• Competitive pricing from the state’s top-rated carriers

• Immediate COI (certificate of insurance) generation

• Secure digital records of all your Arkansas insurance policies

Insurance Requirements for Arkansas Fix and Flip Loans

Most Arkansas lenders will expect:

• Property coverage equal to at least the loan amount

• General liability coverage of $1 million or more per occurrence

• Properly documented named insured and loss payee clauses

• Proof of Arkansas insurance coverage before closing

• Continuous coverage throughout the life of your loan

Failing to maintain Arkansas fix and flip insurance could lead to:

• Loan default

• Forced-placed insurance policies (often at much higher cost)

• Being personally liable for damages

OfferMarket makes the insurance process seamless for Arkansas investors, coordinating directly with your lender at every step—during both underwriting and after closing. If you also use OfferMarket Capital for your fix and flip or DSCR loan, the process is even more streamlined.

How to Structure Coverage for an Arkansas Multi-Property Portfolio

If you’re flipping more than one Arkansas property at a time, you may want to consider:

• Blanket policies that cover all Arkansas properties under a single policy

• Scheduled policies where each property is listed individually, with its own limits and premiums

• Master policies that combine coverage types such as vacant property, builder’s risk, and more, into one Arkansas-friendly bill

OfferMarket works closely with Arkansas’s high-volume flippers to keep insurance costs and administrative headaches at a minimum—while protecting every property.

Fix and Flip Insurance Checklist for Arkansas

Use this checklist to make sure your Arkansas investments are protected:

Fix and Flip Insurance Guidelines for Arkansas Loans

Below are the standard Arkansas fix and flip insurance guidelines that align with typical lender expectations for fix and flip and hard money loans.

Property Coverage

General Liability Coverage

Business Interruption Insurance

If you’ll have tenants in your Arkansas property during or after the rehab, this coverage is important.

Flood Insurance

If your Arkansas property is in a FEMA flood zone, your lender may require this.

Additional Details for Arkansas Investors

If a lender is involved in your Arkansas fix and flip, include their mortgagee clause.
For Arkansas condos or PUDs, a blanket policy may be acceptable if it covers your specific unit and the homeowner association maintains “all risk” coverage at 100% insurable value.

Instructions

• Use ACORD forms to ensure Arkansas compliance

• Submit insurance certifications, invoices, or paid receipts at least 24 hours before closing

• Send final policy documents no later than 60 days post-closing

• Notify your insurance carrier if the Arkansas property becomes vacant—get a vacancy permit for the entire unoccupied period

Why Choose OfferMarket for Fix and Flip Insurance in Arkansas?

OfferMarket is trusted by a growing network of Arkansas real estate investors and private lenders. Our platform doesn’t just make finding properties and arranging financing easier—it also simplifies every step of your insurance experience, ensuring that you can focus on your next Arkansas flip with less hassle and maximum peace of mind.

What Makes OfferMarket Stand Out for Arkansas Investors?

• Real-time management platform for your Arkansas deals and insurance needs

• A dedicated Arkansas support team who knows local investment challenges

• Fully integrated insurance, lending, and exclusive Arkansas deal flow

• No wasted hours shopping insurance carriers—we do all the legwork

• Smart, investor-friendly matching with Arkansas’s top insurance partners

Frequently Asked Questions

Do I need insurance before closing on an Arkansas flip?

Yes. Your Arkansas lender—or the title company if you’re paying cash—will require proof of insurance before you close on the property. OfferMarket can issue a certificate of insurance for your Arkansas flip, often within just a few hours.

Can I get insurance if the Arkansas property is already under renovation?

Yes, you can. Be sure to disclose any work already in progress. Some insurers may require an inspection or restrict certain coverages if major Arkansas renovations have already started.

What if I sell the property in Arkansas before the policy ends?

If you sell before your policy expires, you can cancel the insurance and receive a refund for the unused portion of your premium, pro-rata.

Can I insure multiple Arkansas flips under one policy?

Definitely. OfferMarket offers portfolio policies that allow Arkansas investors to cover several properties at once—saving time and reducing per-property cost.

What if I’m renting out a unit before the Arkansas flip?

Depending on your carrier, fix and flip insurance in Arkansas might not cover active tenants. In those cases, you’ll need a landlord or hybrid policy designed for temporary occupancy during your project.

How does OfferMarket Insurance work for Arkansas investors?

OfferMarket Insurance is a rate-shopping platform that focuses on Arkansas real estate investors, offering landlord and fix and flip insurance policies that meet your specific needs and your lender’s requirements. Our Arkansas insurance experts review every request for quality and price—so you always get competitive coverage.

Can I use my preferred insurance agent for my Arkansas fix and flip loan?

Yes, as long as your Arkansas agent can access competitive fix and flip coverage and understands lender insurance requirements. However, many personal-lines agents are not experienced with Arkansas commercial insurance, which can cause delays or issues. Our Arkansas clients save time and money by working with OfferMarket’s specialized team.

Can I pay my Arkansas insurance premium on the HUD-1/ALTA settlement at closing?

Yes. Most Arkansas fix and flip loans allow the insurance premium to be paid at settlement (on the HUD-1/ALTA) or directly to your agent before closing. If you pay your Arkansas agent directly, be sure to provide a paid receipt for documentation.

Do I need to escrow my fix and flip insurance premium in Arkansas?

Most Arkansas lenders don’t require insurance to be escrowed. You’re responsible for ensuring coverage is active and paid, especially if your project exceeds 12 months, at which point you may need to show proof of renewal. Any cancellation results in a pro-rated refund.

What is an AM Best Rating?

AM Best is a respected financial rating agency that evaluates the strength of insurance companies. An “A- VIII or greater” rating is a common Arkansas lender requirement.

What is builder’s risk insurance for Arkansas projects?

Builder’s risk insurance protects your Arkansas property and all construction materials during the renovation phase. Coverage can include fire, wind, hail, lightning, theft, and vandalism, depending on your policy.

Builder’s risk for Arkansas fix and flips ends when:

• You sell the property

• 90 days have passed since completion

• The property is occupied or in use

• Your interest in the Arkansas property ceases

• The Arkansas project is abandoned

Most Arkansas builder’s risk policies are on a Completed Value Form, matching the property’s ARV or estimated replacement cost.

Protect and Grow Your Arkansas Portfolio with OfferMarket

Fix and flip insurance isn’t just “nice to have” in Arkansas—it’s an essential layer of protection. With tight margins, changing seasons, and all the unknowns of the Arkansas market, savvy investors know that covering your downside is just as important as chasing returns. Whether you’re flipping your first house in Little Rock or managing a dozen rehabs from Rogers to Pine Bluff, OfferMarket’s insurance solutions grow with your needs.

Protect your investment. Safeguard your reputation. Secure your Arkansas real estate future.

OfferMarket is dedicated to helping Arkansas investors build wealth through real estate.

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