Arkansas
Landlord insurance in Arkansas
Costs, coverage, and local rental data for Arkansas property owners. A quote is not a binder.
Arkansas has about 405,123 renter-occupied homes, 34% of all occupied housing. The median owner-occupied home is valued at $188,000 and median gross rent is $947 a month (ACS 2020–2024). This page covers what landlord insurance costs in Arkansas, what moves a quote, and local pages for the largest rental markets.
What landlord insurance costs in Arkansas
The NAIC's average dwelling-fire premium in Arkansas was $571 in 2023, which ranks 7 of the ten states we serve (highest first). The Arkansas HO-3 homeowners average was $1,870. Dwelling-fire figures mix basic and broad forms and are collected for owner-occupied one-family homes, so use them as background rather than a quote.
| Amount of dwelling insurance | Arkansas average dwelling-fire premium (2023) |
|---|---|
| Under $150,000 | $408 |
| $150,000–$199,999 | $899 |
| $200,000–$224,999 | $913 |
| $225,000–$249,999 | $969 |
| $250,000–$274,999 | $1,031 |
| $275,000–$299,999 | $1,118 |
| $300,000–$324,999 | $1,352 |
| $325,000–$349,999 | $1,272 |
| $350,000–$399,999 | $1,330 |
| $400,000–$449,999 | $1,299 |
| $450,000–$499,999 | $2,001 |
| $500,000–$599,999 | $1,564 |
| $600,000–$699,999 | $1,663 |
| $700,000–$999,999 | $1,902 |
| $1,000,000 and over | $219 |
| All amounts (state average) | $571 |
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026). View the report (PDF). Consumer resources: Arkansas Insurance Department.
What moves your landlord quote in Arkansas
- Weather exposure: tornadoes and straight-line wind; large hail; ice storms; river and flash flooding, which requires separate flood coverage.
- Rebuild cost: NAIC averages above climb consistently with the amount of insurance.
- Building age and systems: the median Arkansas home was built in 1987; roof, wiring, plumbing, and heating updates matter.
- Building type: 6% of Arkansas homes are in 2–4 unit buildings and 72% are single-family.
- Occupancy: long-term, short-term, student, or vacant.
- Policy choices: DP-1 vs. DP-3, liability limit, loss of rents, deductible, and any wind or hail deductible.
- Claims history on the property and for the owner.
Largest Arkansas rental markets
- Little Rock 46% renters · median value $236,400
- Fayetteville 58% renters · median value $349,600
- Fort Smith 47% renters · median value $178,100
- Springdale 47% renters · median value $261,800
- Jonesboro 46% renters · median value $223,200
- Rogers 43% renters · median value $308,200
- Conway 55% renters · median value $252,100
- North Little Rock 55% renters · median value $178,900
- Bentonville 50% renters · median value $428,500
- Pine Bluff 48% renters · median value $89,400
- Benton 32% renters · median value $212,700
- Hot Springs 43% renters · median value $165,500
- Sherwood 29% renters · median value $199,500
- Bella Vista 12% renters · median value $296,700
- Paragould 43% renters · median value $181,500
- Russellville 45% renters · median value $172,400
- Jacksonville 50% renters · median value $163,400
- Texarkana 45% renters · median value $170,200
- Cabot 31% renters · median value $207,300
- Centerton 34% renters · median value $338,500
Coverage guides for Arkansas landlords
- Rental property insurance
- Dwelling fire policy (DP-1/2/3)
- Landlord vs. homeowners insurance
- Landlord insurance cost by state
- Duplex & fourplex landlord insurance
Other Arkansas communities we serve
We accept quote requests for rentals anywhere in Arkansas, including these communities, grouped by county.
Arkansas County: Almyra, DeWitt, Gillett, Humphrey, St. Charles, Stuttgart
Ashley County: Crossett, Fountain Hill, Hamburg, Montrose, Parkdale, Portland, Wilmot
Baxter County: Big Flat, Briarcliff, Cotter, Gassville, Lakeview, Mountain Home, Norfork, Salesville
Benton County: Avoca, Cave Springs, Decatur, Garfield, Gateway, Gentry, Gravette, Highfill, Little Flock, Lowell, Pea Ridge, Siloam Springs, Springtown, Sulphur Springs
Boone County: Alpena, Bellefonte, Bergman, Diamond City, Everton, Harrison, Lead Hill, Omaha, South Lead Hill, Valley Springs, Zinc
Bradley County: Banks, Hermitage, Warren
Calhoun County: Hampton, Harrell, Thornton, Tinsman
Carroll County: Beaver, Berryville, Blue Eye, Eureka Springs, Green Forest, Holiday Island, Oak Grove
Chicot County: Dermott, Eudora, Lake Village
Clark County: Amity, Arkadelphia, Caddo Valley, Gum Springs, Gurdon, Okolona, Whelen Springs
Clay County: Corning, Datto, Greenway, Knobel, McDougal, Nimmons, Peach Orchard, Piggott, Pollard, Rector, St. Francis, Success
Cleburne County: Concord, Greers Ferry, Heber Springs, Higden, Quitman
Cleveland County: Kingsland, Rison
Columbia County: Emerson, Magnolia, McNeil, Taylor, Waldo
Conway County: Menifee, Morrilton, Oppelo, Plumerville
Craighead County: Bay, Black Oak, Bono, Brookland, Caraway, Cash, Egypt, Lake City, Monette
Crawford County: Alma, Cedarville, Chester, Dyer, Kibler, Mountainburg, Mulberry, Rudy, Van Buren
Crittenden County: Anthonyville, Clarkedale, Crawfordsville, Earle, Edmondson, Gilmore, Horseshoe Lake, Jennette, Jericho, Marion, Sunset, Turrell, West Memphis
Cross County: Cherry Valley, Hickory Ridge, Parkin, Wynne
Dallas County: Carthage, Fordyce, Sparkman
Desha County: Arkansas City, Dumas, McGehee, Mitchellville, Reed, Watson
Drew County: Monticello, Tillar, Wilmar, Winchester
Faulkner County: Enola, Greenbrier, Guy, Holland, Mayflower, Mount Vernon, Twin Groves, Vilonia, Wooster
Franklin County: Altus, Branch, Charleston, Denning, Ozark, Wiederkehr Village
Fulton County: Mammoth Spring, Salem, Viola
Garland County: Fountain Lake, Lonsdale, Mountain Pine
Grant County: Leola, Poyen, Prattsville, Sheridan, Tull
Greene County: Delaplaine, Lafe, Marmaduke, Oak Grove Heights
Hempstead County: Blevins, Fulton, Hope, McCaskill, McNab, Oakhaven, Ozan, Patmos, Perrytown, Washington
Hot Spring County: Donaldson, Friendship, Malvern, Midway, Perla, Rockport
Howard County: Dierks, Mineral Springs, Nashville, Tollette
Independence County: Batesville, Cushman, Magness, Moorefield, Newark, Oil Trough, Pleasant Plains, Southside, Sulphur Rock
Izard County: Calico Rock, Franklin, Guion, Horseshoe Bend, Melbourne, Mount Pleasant, Oxford, Pineville
Jackson County: Amagon, Beedeville, Campbell Station, Diaz, Grubbs, Jacksonport, Newport, Swifton, Tuckerman, Tupelo, Weldon
Jefferson County: Altheimer, Redfield, Sherrill, Wabbaseka, White Hall
Johnson County: Clarksville, Coal Hill, Hartman, Knoxville, Lamar
Lafayette County: Bradley, Buckner, Lewisville, Stamps
Lawrence County: Alicia, Black Rock, Hoxie, Imboden, Lynn, Minturn, Portia, Powhatan, Ravenden, Sedgwick, Smithville, Strawberry, Walnut Ridge
Lee County: Aubrey, Haynes, LaGrange, Marianna, Moro, Rondo
Lincoln County: Gould, Grady, Star City
Little River County: Ashdown, Foreman, Ogden, Wilton, Winthrop
Logan County: Blue Mountain, Booneville, Caulksville, Magazine, Morrison Bluff, Paris, Ratcliff, Scranton, Subiaco
Lonoke County: Allport, Austin, Carlisle, Coy, England, Humnoke, Keo, Lonoke, Ward
Madison County: Hindsville, Huntsville, St. Paul
Marion County: Bull Shoals, Flippin, Pyatt, Summit, Yellville
Miller County: Fouke, Garland
Mississippi County: Bassett, Birdsong, Blytheville, Burdette, Dell, Dyess, Etowah, Gosnell, Joiner, Keiser, Leachville, Luxora, Manila, Marie, Osceola, Victoria, Wilson
Monroe County: Brinkley, Clarendon, Fargo, Holly Grove, Roe
Montgomery County: Black Springs, Mount Ida, Norman, Oden
Nevada County: Bluff City, Bodcaw, Cale, Emmet, Prescott, Rosston, Willisville
Newton County: Jasper, Western Grove
Ouachita County: Bearden, Camden, Chidester, East Camden, Louann, Stephens
Perry County: Adona, Bigelow, Casa, Fourche, Houston, Perry, Perryville
Phillips County: Elaine, Helena-West Helena, Lake View, Lexa, Marvell
Pike County: Antoine, Daisy, Delight, Glenwood, Murfreesboro
Poinsett County: Fisher, Harrisburg, Lepanto, Marked Tree, Trumann, Tyronza, Waldenburg, Weiner
Polk County: Cove, Grannis, Hatfield, Mena, Vandervoort, Wickes
Pope County: Atkins, Dover, Hector, London, Pottsville
Prairie County: De Valls Bluff, Des Arc, Fredonia, Hazen, Ulm
Pulaski County: Cammack Village, Maumelle, Wrightsville
Randolph County: Biggers, Maynard, O'Kean, Pocahontas, Ravenden Springs, Reyno
Saline County: Alexander, Bauxite, Bryant, Haskell, Shannon Hills, Traskwood
Scott County: Waldron
Searcy County: Gilbert, Leslie, Marshall, Pindall, St. Joe
Sebastian County: Barling, Bonanza, Central City, Greenwood, Hackett, Hartford, Huntington, Lavaca, Mansfield, Midland
Sevier County: Ben Lomond, De Queen, Gillham, Horatio, Lockesburg
Sharp County: Ash Flat, Cave City, Cherokee Village, Evening Shade, Hardy, Highland, Sidney, Williford
St. Francis County: Caldwell, Colt, Forrest City, Hughes, Madison, Palestine, Wheatley, Widener
Stone County: Fifty-Six, Mountain View
Union County: Calion, El Dorado, Felsenthal, Huttig, Junction City, Norphlet, Smackover, Strong
Van Buren County: Clinton, Damascus, Fairfield Bay, Shirley
Washington County: Elkins, Elm Springs, Farmington, Goshen, Greenland, Johnson, Lincoln, Prairie Grove, Tontitown, West Fork, Winslow
White County: Bald Knob, Beebe, Bradford, Garner, Georgetown, Griffithville, Higginson, Judsonia, Kensett, Letona, McRae, Pangburn, Rose Bud, Russell, Searcy, West Point
Woodruff County: Augusta, Cotton Plant, Hunter, McCrory, Patterson
Yell County: Belleville, Corinth, Danville, Dardanelle, Havana, Ola, Plainview
Arkansas landlord insurance FAQ
Is landlord insurance required in Arkansas?
No Arkansas statute requires landlords to insure a rental, but mortgage lenders typically require property coverage and many leases and associations require liability coverage.
What does landlord insurance cost in Arkansas?
The NAIC reported a 2023 Arkansas average dwelling-fire premium of $571, compared with $1,870 for HO-3 homeowners policies. Averages rise with the amount of insurance, as shown in the table above. Your quote depends on the building, location, coverage, and deductible.
Who regulates insurance in Arkansas?
The Arkansas Insurance Department licenses insurers and agents and publishes consumer guides and complaint tools.
Does a Arkansas landlord policy cover flood?
No. Standard dwelling forms exclude flood from surface water. Flood coverage is purchased separately, for example through the National Flood Insurance Program or a private flood policy.
Sources
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter
- U.S. Census Bureau, Vintage 2024 population estimates
- FEMA National Risk Index
- Arkansas Insurance Department
Request a Arkansas landlord quote
Last updated October 15, 2026. Sources and method: how we research.