Bullhead City, AZ
Landlord insurance in Bullhead City, Arizona
What Bullhead City landlords should know before insuring a rental. A quote is not a binder.
Census estimates put Bullhead City's renter-occupied share at 30%, or roughly 6,310 of 20,952 occupied homes. Compared with 33% across Arizona, that is close to average, and it tells you a lot about the local rental stock owners are insuring.
Bullhead City rental housing by the numbers
| Measure | Bullhead City | Arizona |
|---|---|---|
| Renter-occupied homes | 30% (6,310) | 33% |
| Median owner-occupied home value | $211,500 | $394,500 |
| Median gross rent | $1,079/mo | $1,543/mo |
| Median year structure built | 1991 | 1992 |
| Homes in 2–4 unit buildings | 5% | 5% |
| Single-family homes (detached or attached) | 54% | 69% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
What home values in Bullhead City mean for your dwelling limit
Bullhead City's median home value, roughly $211,500, gives a rough sense of what rentals here are worth; the state median is $394,500. For insurance, ask for a replacement-cost estimate on your specific building.
NAIC data for 2023 shows an average Arizona dwelling-fire premium of $604 in the $200,000–$224,999 coverage band, which brackets Bullhead City's median value; across all coverage amounts the state average was $636. Treat it as background, since landlord pricing depends on the building and occupancy.
How much rent to protect in Bullhead City
Rents in Bullhead City center on about $1,079 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $12,948 per unit at the median.
How old Bullhead City's housing is, and why it matters
With a median year built of 1991, many Bullhead City rentals are reaching the age where original roofs, water heaters, and HVAC units are replaced. Note those dates on your request.
Bullhead City's mix of rental buildings
Roughly 54% of Bullhead City homes are single-family, 5% sit in small 2–4 unit buildings, and 10% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
Bullhead City next to other Arizona rental cities
Nearby Lake Havasu City reports 27% renter households and a $455,400 median home value, so proportionally fewer renters than Bullhead City. For comparison, Phoenix comes in at 43% rented and $420,700 median value, with median rent of $1,582. Nearby Tucson reports 48% renter households and a $266,200 median home value, so proportionally more renters than Bullhead City. By renter share, Bullhead City is number 13 on our list of 25 Arizona cities. Manufactured and mobile homes make up about 29% of Bullhead City's housing, and many dwelling programs underwrite those separately. Roughly 10% of homes in Bullhead City are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Storm and hazard considerations in Bullhead City
In Bullhead City, think about wildfire in higher-elevation communities first, then monsoon wind and dust storms. Both appear frequently in Arizona property claims and can change which policy form and deductible make sense.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Your Bullhead City quote checklist
- Year built and roof age
- How it is occupied today, including any vacancy or short-term use
- Electrical, plumbing, and heating update years
- Current insurer and any losses in five years
- Lender name for the mortgagee clause
- How much liability and lost rent you want covered
- Street address in Bullhead City and number of units
Request a Bullhead City landlord quote
Questions from Bullhead City rental owners
How many renters live in Bullhead City?
About 30% of occupied homes in Bullhead City, roughly 6,310 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Bullhead City landlords have to carry insurance?
Arizona law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
What is a typical landlord premium in Bullhead City?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Arizona dwelling-fire average of $636; see our Arizona page for the full table.
Other Arizona cities
Landlord insurance in Arizona · Cost by state
Last updated October 15, 2026. Sources and method: how we research.