Protect your property and equity
Rebuild costs change over time. Reviewing your limits helps keep a major loss from turning into a debt on property you can no longer use.
Shelter Insurance® Agent · Siloam Springs
Protect what you've worked hard to build.
Your home, vehicles, business, land and family's future — protected by a local agent who explains your options clearly and stands beside you when it matters.
Hablamos español — cotizaciones, reclamos y servicio completo en su idioma.
- 15+ years serving local families
- Licensed in 8 states
- English and Spanish service
- No-pressure coverage reviews
5-star rated on Google
Read customer reviewsWhy coverage matters
You're not just buying a policy. You're protecting what's yours.
One accident, storm or unexpected loss can affect years of hard work. Maria reviews your coverage as one complete plan — helping protect your property, income, business and family without selling you coverage you do not need.
Keep income coming in
Life and business coverage can help replace income and revenue so the people who depend on you are not left starting over.
Protect your savings from liability
One at-fault accident can exceed state minimum limits. Higher liability and umbrella options help shield savings, wages and assets.
Avoid expensive coverage gaps
Policies bought at different times often overlap or leave gaps. Reviewing them together shows exactly where you stand.
Review my current coverage
Free and without obligation, in English or Spanish.
15+
Years of experience
8
States licensed
EN · ES
English and Spanish service
$0
No-pressure coverage reviews
What we protect
One local office for your whole insurance plan
Bundle what makes sense and skip what does not. Maria reviews each policy against how you actually live, work and plan for the future.
Auto Insurance
Coverage for daily drivers, teen drivers, trucks and everything in between.
Learn moreHome Insurance
Protection for your home, belongings and personal liability.
Learn moreLife Insurance
Help replace income, handle final expenses and protect your family's options.
Learn moreFarm & Ranch
Coverage for barns, equipment, livestock, farm vehicles and liability.
Learn moreBusiness Insurance
Protection for business property, liability, vehicles and daily operations.
Learn moreRenters Insurance
Affordable protection for your belongings and personal liability while renting.
Learn moreA simple start
Getting started is easier than you think
- 1
Tell us what you need to protect
Share a few details online or by phone — vehicles, home, business, land or family plans.
- 2
Review your options with Maria
Maria explains limits, deductibles and discounts in plain language, in English or Spanish.
- 3
Choose coverage with confidence
You decide what to keep, and we keep the plan current as life changes — always with a local person to call.
OUR AGENCY
Insurance is personal. So is this office.
Our agency is led by Maria Navarrete-Collins — a first-generation Mexican-American raised in Lincoln, Arkansas, a mom of two, and an agent with 15+ years of experience. Together with our team, she built this office to do things differently: build relationships, explain coverage clearly, and make sure nobody signs something they don't understand.
You're not just a policy number here — our team answers your questions, handles policy changes and stands beside you at claim time, in English or Spanish.
Customer feedback
See what local customers are saying
Read verified feedback from customers who have worked with Maria's office.
5.0 average rating on Google
“Maria explained our auto and home policies line by line in Spanish and English. We ended up with better coverage for less than we were paying.”
Daniela R.
Siloam Springs, AR · July 2026
“Zero pressure. They found a gap in my business liability that two other agents missed, and the quote came back the same day.”
Kyle M.
Bentonville, AR · June 2026
“After a hail claim the office called me first with next steps. It felt like having a neighbor handle it instead of a call center.”
Alma G.
Springdale, AR · May 2026
“They came out to the farm, walked the equipment list with us and rewrote the policy so the barn was actually covered.”
Travis & Beth L.
Gentry, AR · April 2026
Questions people ask
Insurance questions, answered plainly
Short answers first, with a link to the full guide whenever you want the detail.
Where we serve
Northwest Arkansas and seven states beyond
Local communities
- Siloam Springs
- Bentonville
- Rogers
- Springdale
- Fayetteville
- Gentry
- Gravette
- Lincoln
- Prairie Grove
- Bella Vista
- Cave Springs
- Decatur
Licensed states
- Arkansas
- Missouri
- Oklahoma
- Kansas
- Colorado
- Kentucky
- Tennessee
- Louisiana
Resources
Learn before you need it
ClaimsAug 12, 2026
What to do after an accident or property insurance loss
Safety first, documentation second, notification third. Here is the order that keeps a claim clean.
Read the guideFarm & RanchAug 12, 2026
Farm and ranch insurance: what may not be covered by a standard home policy
Barns, equipment, livestock and custom work usually need coverage a homeowners policy does not include.
Read the guideBusinessAug 12, 2026
A practical insurance checklist for small-business owners
Liability, property, vehicles and employees—the four questions most owners should answer first.
Read the guideNewsletter
Coverage tips, reminders and local news
One short email a month in English and Spanish. Renewal reminders, seasonal checklists and community giveaways. Unsubscribe any time.
Ready for a free coverage review?
Twenty minutes, no obligation, in English or Spanish. Bring your current policy and we will show you exactly where you stand.