Insurance continues to be one of the hottest topics of conversation—and for good reason. Many Arkansas families and businesses are facing unprecedented premium increases, evolving coverage requirements, and higher deductibles. On top of that, insurers are placing new emphasis on property maintenance and risk reduction, making it more important than ever to stay informed.
What’s Driving These Changes?
According to John Cobb, President and Chief Operating Officer of First Western Insurance, several key factors are shaping the insurance landscape in 2025.
“Insurance is built on the principle of shared risk. Even if you haven’t experienced severe weather or property damage, major events across the country—such as record-breaking storms, wildfires, and flooding—impact the entire industry. As these events become more frequent and costly, premiums naturally rise for everyone,” Cobb explained.
Cobb also notes that the rising value of homes and vehicles, combined with increased costs for building materials, repairs, and auto parts, are driving up replacement costs.
“When your property is worth more or costs more to replace, you’ll see that reflected in your premiums. The same goes for vehicle coverage as cars become more sophisticated and expensive to repair,” he said.
How First Western Insurance Can Help
First Western Insurance takes a personalized approach to protecting your most valuable assets. As an independent, licensed insurance broker, the team works on your behalf—comparing rates and coverage across a carefully vetted network of highly rated insurers.
“Think of us as your insurance partner,” Cobb said. “We gather all the information, review your options, and help you find the most comprehensive coverage at the best possible price.”
Expert Guidance for Families and Businesses
Navigating the complexities of personal and business insurance in 2025 can feel overwhelming. That’s why First Western Insurance is committed to simplifying the process and providing unbiased, cost-effective recommendations tailored to your needs.
Learn more about First Western Insurance:
Call First Western Insurance today for a no-fee, no-obligation consultation: 479-424-2788.