Published July 17, 2026 · 40 years in trucking & the trades
What we cover in Tull
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Tull choose a local agent
When you're in Tull, Grant 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 Tull: the local picture
Living here in Tull, we know our homes are more than just houses – they’re our biggest investments, especially with so many of us owning our own places. Given our mix of suburban and rural living, and the prevalence of older wooden structures, it's critical to think about replacement cost coverage. You don't want to be caught underinsured if a storm hits or if you need to rebuild. Those older homes, while charming, often come with higher maintenance, especially the roofs, so making sure your dwelling coverage is robust and your deductible is manageable is key. We also see increased termite activity, so considering a termite rider is a smart move to protect those wooden foundations.
Now, let's talk weather, because it's a big deal here. With 14 severe weather warnings and 80 radar-detected hail events in the last year alone, including three specific hail incidents, our homes take a beating. Standard homeowner's policies are crucial, but understanding your wind and hail deductibles is paramount. When a severe thunderstorm or tornado rolls through, as they often do in Arkansas, you need to know your policy will cover the damage to your roof and property. It’s not a matter of if, but when, and being prepared means having the right coverage.
Finally, flood risk is a serious consideration for many properties in Tull. Even if you're not right on the creek, it's worth checking FEMA's Flood Map Service Center for your specific zone. Arkansas has a history of flood claims, and standard homeowner's insurance doesn't cover flood damage. With FEMA's Risk Rating 2.0, flood insurance is more tailored to your specific property's risk, so it's essential to look into a separate flood policy to protect against those unexpected deluges. Whether you work for Sheridan School District, Sheridan Community Hospital, or one of our local businesses like Paschal Air, Plumbing & Electric, protecting your home means understanding these specific local risks.
Population: 485 (2020)
Housing in Tull
The housing stock in Tull includes older wooden structures, as indicated by mentions of increased termite activity, especially in such homes. Most residents own their homes, contributing to the suburban rural mix feel of the area. The presence of older wooden homes suggests that replacement costs and roof maintenance could be a significant consideration for homeowners, potentially higher due to age and material.
Major local employers & who's hiring
- Sheridan School District — Education hiring
- Sheridan Community Hospital — Healthcare hiring
Local Tull businesses
A few businesses that call Tull home — independent of our agency.
- Paschal Air, Plumbing & Electric — HVAC, Plumbing, Electric
- Mint Plumbing Co — Plumbing
- Pro Electrician Arkansas — Electrical Contractors
- United Built Homes — Home Builders
- AR Stump Removal — Tree Trimming
- Arkansas Concrete Contractor — Excavation, Concrete Contractor
Local facts that shape your coverage
- Tull is a town in Grant County, Arkansas, with a population of 484 as of the 2020 census. — High
- Doppler radar has detected hail at or near Tull, AR on 80 occasions, including 3 occasions during the past year. — High
- Tull, AR has been under severe weather warnings 14 times during the past 12 months. — High
- Tull is located in Grant County, Arkansas, which was formed in 1869 and has Sheridan as its county seat. — Medium
- As of the 2020 Census, Tull, Arkansas had a population of 484. — Provides context for the size and community of the town, impacting insurance market considerations.
Local figures compiled from public sources: worldpopulationreview.com · en.wikipedia.org · interactivehailmaps.com · grantcountyar.com · sheridanschools.org · sheridanhospital.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.
Tull, AR insurance — common questions
How much does insurance cost in Tull, AR?
Rates in Tull and Grant 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 Tull?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Tull and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Tull 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.