Renters Insurance

Renters insurance can provide you with needed financial protection against adverse circumstances, whether it’s covering your personal belongings in case of damage or ensuring you’re protected if someone is injured in your residence. If you need renters insurance, we’re here to help. Contact us today to learn more about your renters insurance options or to get a quote.

What Is Renters Insurance?

Renters insurance provides protection against property loss and liability if you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.

• Property protection—Renters insurance covers your possessions against damage for things such as fire, smoke, lightning, vandalism, theft and water damage—but not flooding—to name a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car or lost or damaged anywhere you happen to be. Talk to your agent today to learn more additional property protection options, such as flood and earthquake insurance and scheduled items riders.
• Liability protection— The liability portion of a renters insurance policy helps protect against claims of third-party bodily injury or property damage caused by you or another person listed as insured on your policy. It may also help pay for medical bills if someone has an injury in your rental. Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence, or elsewhere.

Some renters insurance policies pay a tenant’s temporary living costs if they need to live elsewhere because of a fire, severe storm or other covered disaster. This coverage may include hotel bills, temporary rentals, restaurant meals and other living expenses. Talk with your insurer about whether your renters insurance has this inclusion.

How to Get Renters Insurance

Whether you call a rented house, condo or apartment your home, you can benefit from renters insurance. Call us today to learn more about renters insurance or to get a no-obligation quote.

Life Insurance

Life insurance is an essential component of financial planning, offering a way to provide for your loved ones after you’re gone. Choosing the right amount and type of insurance requires understanding your personal and financial circumstances.

For expert guidance on selecting an insurance policy that aligns with your needs, contact Sunstar Insurance of Arkansas in Little Rock, Arkansas.

How Much Insurance Do I Need?

Determining the appropriate insurance is a personal decision influenced by several factors, including the following:

• Financial obligations—This may include debts, living expenses and future financial needs.
• Income replacement—Consider how many years of income you wish to replace.
• Family goals—Think about future expenses such as education or retirement savings.

What Life Insurance Is Best?

Selecting the best insurance policy depends on your goals and financial situation. Whether it’s permanent or term life insurance, each policy type provides numerous features and benefits.

Whole life insurance is a type of permanent life insurance that offers a guaranteed death benefit for the life of the policyholder and a cash value component, which may increase in value over time and can be borrowed against or withdrawn under certain conditions.

Term life provides coverage for a specific period, such as 10, 20 or 30 years, offering a death benefit to beneficiaries if the policyholder passes away within the term. It does not accumulate cash value and is less expensive than permanent life insurance options.

What Are Key Considerations for Getting an Insurance?

When exploring insurance options, it’s crucial to research and compare the best insurance companies to find a reliable provider. Your agent can help gather personalized insurance quotes and help you understand how factors such as the insured person’s age and health status affect premiums.

Contact Us 

For a personalized approach to finding the right insurance policy to help secure your loved ones’ future, reach out to Sunstar Insurance of Arkansas. Our team is committed to assisting you in navigating your life insurance options so you can find a plan that meets your unique needs and circumstances.

Homeowners Insurance in Little Rock & Jonesboro, AR

Arkansas is known for its stunning landscapes, welcoming communities and the comfort of southern living. At Sunstar Insurance of Arkansas, we understand that your home is more than just a building; it’s the epicenter of your life, and it’s crucial to have appropriate homeowners insurance coverage.

Contact us today for a homeowners insurance quote.

Why Sunstar Insurance of Arkansas is the Right Choice for Homeowners

With a deep understanding of Arkansas communities, we tailor our policies to meet the specific challenges and needs of living in the Natural State. From traditional homes to mobile homes and even vacation properties, our insurance solutions are designed to cover a wide range of housing types.

What Does Homeowners Insurance Cover?

Homeowners insurance typically includes the following core coverages:

• Dwelling protection may help cover the structure of your home, including walls, roof and built-in appliances, against perils like fire, storms and vandalism.
• Personal property coverage may help pay to replace or repair your things if they are damaged or destroyed in a covered event, up to the policy’s limits.
• Liability coverage may help protect you from financial strain if someone sues you for property damage or personal injury on your property. This coverage pays only up to the policy’s limits.
• Additional living expenses coverage may help reimburse you for costs related to necessary temporary relocation if your home becomes uninhabitable due to a covered event.

Your agent may recommend adding special endorsements to help cover high-value items, flood damage and specific events like damage from water backup.

Contact Us

At Sunstar Insurance of Arkansas, our mission is to offer you robust, comprehensive homeowners insurance solutions that enable you to live your life in Arkansas to the fullest. Contact us today to get appropriate homeowners insurance coverage at a favorable rate.

Health Insurance

Having the right health insurance coverage to suit your needs is essential to your overall well-being. Health insurance helps pay medical expenses, including treatment for severe medical conditions and preventive care. This coverage may reduce how much it costs to get necessary health care. Contact our agency to learn more about your health insurance options and to get a quote.

Is Health Insurance Required?

There are no laws that require individuals to carry health insurance. Access to health insurance coverage can help minimize the costs of preventive care and medical treatment. With a health insurance plan, you’ll have access to doctors and hospitals, typically at a lower price than you’d pay if you were uninsured. If you need assistance determining which health insurance options best suit your needs, contact an agent.

What Are My Health Insurance Options?

There are several health insurance plans and additional coverage options to help you access necessary health care services, including:

• Individual and family plans.
• Group health insurance plans.
• Vision and dental insurance.
• Prescription insurance.
• Health savings accounts (HSAs).
• Disability insurance.
• Supplemental insurance.
• Long-term care (LTC) insurance.
• Travel health insurance.
• Medical expense health insurance.

Our agents can help evaluate your situation, recommend coverages that fit your budget and help you choose a health insurance company.

How to Get Health Insurance

Sunstar Insurance of Arkansas is prepared to help you determine the best coverage option for your health care needs. To learn more about health insurance or to get started with a policy, reach out to an agent today.

General Liability Insurance

General Liability Insurance for Arkansas Companies

Organizations of all sizes and industries can benefit from a robust general liability insurance policy.

Operating a business can be unpredictable, and insurance can help owners recover from the financial impact of incidents such as theft, severe weather, lawsuits and accidents, making it an essential part of risk management for businesses.

What is it?

General liability insurance is a fundamental component of most business insurance portfolios. It offers financial protection against some of the most common risks businesses encounter, such as third-party bodily injury, property damage and advertising injury.

What Does it Cover?

A typical general liability insurance policy can provide financial support for the following:

• Bodily injury and property damage liability can cover legal fees, settlements and judgments if your business is responsible for causing injury to someone or damage to their property.

• Personal and advertising injury can cover claims related to defamation, slander, copyright infringement or other advertising-related issues.

• Medical payments can pay for medical expenses if someone is injured on your business premises, regardless of fault.

• Damage to rented premises can help cover damage caused by your business to a property you rent for your operations (e.g., fire damage to an office).

• Personal injury protection can protect against claims of personal injuries, such as mental anguish or reputational harm, in specific cases.

It is important to note that while general liability insurance covers many third-party risks, it does not cover every potential risk a business may face, such as professional errors (covered by professional liability insurance), damage to business-owned property, or employee-related claims (covered by workers’ compensation or employment practices liability insurance).

How Much is it?

The following factors can influence your insurance costs:

• Business size

• Annual revenue and payroll

• Location

• Coverage limits

• Deductible amounts

• Claims history

• Industry-specific risks

Why is it Important?

This type of insurance can be essential in helping a business financially recover from a covered incident. Lawsuits can be costly to defend, and this offers businesses a financial safety net. Without it, they would have to pay out of pocket for expenses related to claims.

Where to Get General Liability Insurance

Contact SunStar Insurance of Arkansas today to discuss your business insurance portfolio.

Commercial Auto Insurance

Businesses that rely on vehicles for their operations should consider purchasing a commercial auto insurance policy. Certain federal or state laws may mandate that commercial vehicles and drivers have adequate commercial auto insurance. If you need commercial auto insurance or want to ensure your business is in compliance with applicable regulations, contact Sunstar Insurance of Arkansas today.

What Is Commercial Auto Insurance?

A commercial auto insurance policy can help cover the costs (e.g., damaged property and/or medical expenses) of an auto accident that may be caused by you or another employee. Generally, commercial auto coverages include liability, collision, medical, comprehensive and uninsured/underinsured motorist coverage. There are additional coverages a business may need to add to their commercial auto insurance coverage. Our agency can help you review your business’s insurance needs and ensure you have the appropriate coverages.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance comprises various coverages, including:

• Liability coverage may provide repair costs for the other person’s vehicle or property. It also can provide coverage for the legal fees associated with a lawsuit for personal injury.
• Comprehensive coverage can provide complete protection for damages unrelated to an accident, such as losses related to theft, floods, vandalism and fires.
• Collision coverage may cover vehicle repair costs if an insured vehicle collides with another vehicle or object. Collision insurance may also help replace a totaled vehicle.
• Medical payment may provide coverage for passengers and the driver when there is a need for medical care resulting from an accident.
• Uninsured motorist coverage provides bodily injury coverage if an uninsured driver hits a business’s vehicle and injures its driver and passengers. Some uninsured motorist coverage also covers damage to the company vehicle.
• Underinsured motorist coverage provides coverage if an underinsured driver hits a business’s vehicle and injures its driver and passengers. Some underinsured motorist coverage also covers damage to the company vehicle.

Policy endorsements may be available to your business to help round out your policy. Add-ons may include roadside assistance coverage, towing reimbursement, hired non-owned coverage, rental reimbursement and gap coverage for auto loans or leases.

How to Get Commercial Auto Insurance

If your business needs commercial auto insurance, we’re here to help. Contact Sunstar Insurance of Arkansas today for a quote or to discuss your commercial auto insurance needs.

Business Insurance

Business insurance, also called commercial business insurance or commercial insurance, is insurance coverage designed to cover a business, including its employees and ownership. There are a wide variety of different types of business insurance available.

Having the right commercial insurance policies is a significant component of a comprehensive risk management strategy that can help protect your business’s finances. Our agency is here to help you with all of your business insurance needs. Call Sunstar Insurance of Arkansas today to learn more or to get a free, no-obligation quote.

Business Insurance Policies

Every business’s insurance needs vary and may be influenced by company size, location, number of employees and industry. A few standard policies businesses may carry include the following:

• General liability insurance—A policy can provide coverage for claims of bodily injury or other physical injuries, personal injury (libel or slander), advertising injury and property damage. It can be offered as a package policy with other coverages such as property, crime, automobile and more.
• Business property insurance—Also called commercial property insurance, this coverage helps pay for damages to your company’s equipment and property after a covered accident or incident.
• Business interruption insurance—If your business must shut down or cease operations due to a covered incident, this coverage can help replace lost income and pay for extra expenses incurred during the shutdown.
• Commercial auto insurance—If your company has vehicles, you will likely need to secure a commercial auto insurance policy to properly insure any fleet members or employees who are drivers for your organization.
• Professional liability insurance—This type of policy provides coverage if anyone makes a claim of negligence, misrepresentation or inaccurate advice against your business.
• Workers’ compensation insurance—This coverage can help employees who become injured or ill due to a work-related incident receive replacement income, medical benefits and other financial assistance if they cannot work. Most states require that employers carry workers’ compensation insurance.

Depending on your business and industry, you may need to purchase other insurance policies for proper coverage. Contact Sunstar Insurance of Arkansas today to discuss your insurance needs.

How to Get Business Insurance

If you need business insurance solutions, we’re here to help. Give Sunstar Insurance of Arkansas a call today to get started.

Auto Insurance in Little Rock, Arkansas

Understanding who needs to be listed on your auto insurance policy is crucial to ensuring that you and your loved ones are appropriately protected in an accident or other incidents involving your vehicle.

Who Should Be Listed on Your Auto Insurance Policy?

In general, your agent may recommend listing the following drivers:

• Primary drivers are people who regularly drive the vehicle and are likely the owner or main operator. Listing all primary drivers can help ensure that the insurance policy covers them in case of accidents or other covered incidents. It also helps in accurately assessing the risk and premium rates based on each driver’s record.

• Household members live with you and can access your vehicle. All household members who have a driver’s license and may drive your vehicle occasionally should typically be listed on your auto insurance policy. This includes spouses, children and other relatives living with you.

• Occasional drivers are people who drive your vehicle occasionally but are not regular users. Insurance companies may need to know about all potential drivers to assess risk accurately. If an occasional driver gets into an accident while driving your vehicle and is not listed on your policy, it could lead to coverage issues or additional costs.

• Teenage drivers are your teenage children who are learning to drive or have recently obtained their driver’s license. It’s essential to add them to your policy to ensure they are properly covered.

• Non-resident drivers are those who do not live with you but regularly drive your vehicle (e.g., a friend visiting from out of town). Check with your insurance company to determine if they need to be listed on your policy or if they are covered under permissive use.

• Excluded drivers are people are not covered by your insurer and are named as drivers who should never be allowed to drive the vehicle. If there are individuals in your household who have a poor driving record or pose a high risk, you may choose to exclude them from your policy to avoid higher premiums. However, you must inform your insurance company and have them sign a formal exclusion form.

Contact Us

Contact Sunstar Insurance of Arkansas to determine who should be listed on your car insurance policy. Contact us today for more information.