Published July 2, 2026 · 40 years in trucking & the trades
What we cover in Bearden
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Bearden choose a local agent
When you're in Bearden, Ouachita County, you get a real person who knows AR — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Bearden: the local picture
Folks around Bearden know we're a tight-knit community, and our insurance needs really reflect that. With Anthony Timberlands and Bearden Lumber still anchoring our economy, businesses here, from the sawmill to the Bearden School District and Ouachita County Medical Center, absolutely need solid commercial coverage. We're talking workers' comp, general liability, and property insurance to protect those valuable assets. For homeowners, it's a different ballgame. A good chunk of our housing stock includes manufactured homes, so it's critical to ensure you've got the right policy – not just a standard homeowners, but one tailored for manufactured homes that truly covers your dwelling and personal property. Don't just assume; let's make sure your policy matches your home type, especially when it comes to replacement costs.
Population: 776 (2020)
Housing in Bearden
The housing stock in Bearden includes manufactured homes. Consequently, direct implications for replacement cost or roof types cannot be precisely determined from the available data. Source: https://www.manufacturedhomes.com/city/Bearden/Arkansas/
Major local employers & who's hiring
- Bearden School District — Education hiring
- Ouachita County Medical Center — Healthcare hiring
- Bearden Lumber Company — Lumber/Manufacturing
- Anthony Timberlands, Inc. (Bearden Pine Sawmill) — Lumber/Manufacturing
Local Bearden businesses
A few businesses that call Bearden home — independent of our agency.
- Anthony Timberlands — Lumber/Timberland Management (Contractor)
- Exxon — c-store
- Bank of Bearden — financial
- ATM — financial
Local landmarks & geography
- Ouachita River — Proximity to the Ouachita River can increase flood risk for properties located within its floodplain.
- White Oak Lake State Park — Natural areas and state parks can influence local property values and may be subject to specific environmental risks (e.g., wildfire, wind damage to trees) that could affect nearby properties or park infrastructure.
- U.S. Route 79 — Major highways like US-79 provide transportation access, which can influence property values. Proximity to major roadways may also be considered for noise, traffic-related incidents, or potential for commercial development.
- Anthony Timberlands Inc. (ATI) at Bearden Lumber Mill — Industrial plants, especially lumber mills, present specific insurance risks including fire hazards, potential for significant property damage from events like tornadoes, and can be a major factor in the local economy affecting property values and employment stability.
Local facts that shape your coverage
- The Bearden, AR area has experienced 2 confirmed on-the-ground hail reports and has been under severe weather warnings 20 times during the past 12 months, with Doppler radar detecting hail on 57 occasions, including 3 times in the last year. — High
- The population of Bearden, Arkansas was 776 at the 2020 census. — Medium
- Bearden is a city located in northeastern Ouachita County, Arkansas, and is part of the Camden Micropolitan Statistical Area. — Medium
- Bearden, Arkansas had a population of 776 residents at the 2020 census. — Provides a baseline understanding of the community size, impacting overall insurance market and risk pool.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · beardenschools.org · ouachitamedcenter.com · mapquest.com · katv.com. Estimates — verify current details with the original source.
Insurance requirements in Arkansas
Arkansas is an at-fault (tort) state: every driver must carry liability insurance, and insurers must offer uninsured/underinsured-motorist coverage. Arkansas sits in a severe-weather corridor — tornadoes, large hail, and river/flash flooding are real exposures for homes, farms, and businesses. As an independent agency we shop multiple carriers to fit Arkansas's requirements and weather risk to your budget. Verify current state minimums with the Arkansas Insurance Department.
Bearden, AR insurance — common questions
How much does insurance cost in Bearden, AR?
Rates in Bearden and Ouachita County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Bearden?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Bearden and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Bearden today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.