- Heads up: Home insurance rates rose an average of 21% in 2024. Before you auto-renew, make sure you're getting the best rate available.
Home Insurance Renewal Coming Up? Get a Free Second Opinion First.
Most homeowners just let their policy roll over — totally normal, but renewal is the best time to check two things: Are you still covered right… and are you paying a fair rate? We’ll find out for free.
- Insurers quietly raise rates at renewal. Don't sign another year before seeing what else is out there. Our review is quick and costs nothing.
Free · No Obligation
Start Your Free Rate Review
Why This Matters
Renewal Time Is When Things Change
Rates shift. Home values change. Life changes. Sometimes your coverage doesn’t keep up — and you don’t find out until it’s too late.
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Your Rate May Have Quietly Increased
Insurers raise rates at renewal, often without a clear explanation. You could be paying significantly more for the exact same — or even worse — coverage than last year.
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Your Home's Rebuild Value Changed
Construction costs have risen sharply. If your dwelling coverage hasn’t kept pace, you could be seriously underinsured and not know it until after a loss.
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Hidden Gaps You Haven't Spotted
Added a deck? Got a dog? Working from home? Life changes create coverage gaps that standard policies don’t automatically fill. We catch these before they cost you.
Our Review Process
When Was the Last Time Your Policy Got a Real Review?
If it’s been a while — or you’re not sure — you’re not alone. Here’s exactly what we look at, and where we can often improve things:
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Rebuild Coverage
Would your policy realistically rebuild your home at today’s labor and material prices?
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Deductible Reality
What would you actually pay out of pocket if something happened tomorrow?
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Liability Protection
Are you protected if someone gets hurt on your property or your dog bites a neighbor?
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Personal Property
Electronics, jewelry, tools — are your belongings covered at the right level?
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Gaps + Extras
We flag missing pieces and anything you may be paying for that doesn’t fit your needs.
Client Stories
Real People. Real Savings.
Here’s what homeowners like you found when they got a second opinion.
“I almost just clicked renew like I do every year. Glad I didn’t. ASI found a policy with better rebuild coverage and saved me $340 a year. The whole thing took one phone call.”
“They caught that my policy didn’t cover sewer backup — and I’d just had a close call. Switched immediately. These aren’t just salespeople; they actually know what they’re looking at.”
“My old insurer had raised my rate three years in a row without explanation. ASI matched my coverage, added better liability limits, and cut my annual premium by over $500.”
Frequently Asked Questions
You Might Be Wondering…
Straight answers to the questions we hear most.
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How early should I do this?
If your policy renews in the next 30–90 days, you’re in the perfect window. That gives us time to quote, compare, and have everything ready before your renewal locks in for another year.
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What do you need from me?
Your name, contact info, and renewal date is a great start. Your current declarations page helps us quote faster — but it’s not required to get going.
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Is there any cost or commitment?
None whatsoever. The review and quote are completely free. You’re under no obligation to switch, buy, or even call us back. We figure if we do good work, you’ll make the right call.
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Do I have to switch carriers?
Not at all. Our goal is to show you what’s out there — and if your current carrier has the best deal, we’ll tell you that. We’d rather earn your trust than push you somewhere that doesn’t serve you.
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How long does the review take?
The form is about 2 minutes. Most clients have a comparison quote within 24 hours. The follow-up conversation is typically 15–20 minutes — and never pressured.
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What if I'm mid-policy?
You can still switch mid-term and receive a prorated refund from your current insurer. It’s more common than people think — and in some cases the savings make it well worth it.
A Home Insurance Partner You Can Trust
When you choose American Safeguard Insurance, you’re not just choosing a policy — you’re choosing a long-term partner. We listen first, then find the right solution.
- Independent agency — we work for you, not an insurance company
- Access to dozens of top-rated, A-rated carriers
- Personalized guidance from experienced local agents
- Digital and in-person service options
- Ongoing annual reviews — we don't disappear after you sign
- Local team that knows Arkansas homes and risks
It Starts Here
Protect Your Home With Confidence
Before you renew, check what ASI can do for you. Quick form. Real help. If we can save you money and tighten up coverage, we’ll show you the numbers — no strings attached.
Get Your Free Rate Review
We’ll reach out however you prefer — call or email.
Prefer to talk right now?