Bella Vista, AR
Rental property insurance for Bella Vista landlords
What Bella Vista landlords should know before insuring a rental. A quote is not a binder.
With an estimated 33,274 residents, Bella Vista has around 1,615 renter households, about 12% of occupied housing. Statewide, Arkansas sits at 34%, so Bella Vista's rental share is below the state figure.
Key housing figures for Bella Vista, AR
| Measure | Bella Vista | Arkansas |
|---|---|---|
| Renter-occupied homes | 12% (1,615) | 34% |
| Median owner-occupied home value | $296,700 | $188,000 |
| Median gross rent | $1,395/mo | $947/mo |
| Median year structure built | 1996 | 1987 |
| Homes in 2–4 unit buildings | 3% | 6% |
| Single-family homes (detached or attached) | 95% | 72% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Setting coverage on a Bella Vista rental
Bella Vista's median home value, roughly $296,700, gives a rough sense of what rentals here are worth; the state median is $188,000. For insurance, ask for a replacement-cost estimate on your specific building.
NAIC data for 2023 shows an average Arkansas dwelling-fire premium of $1,118 in the $275,000–$299,999 coverage band, which brackets Bella Vista's median value; across all coverage amounts the state average was $571. Treat it as background, since landlord pricing depends on the building and occupancy.
Loss-of-rents planning in Bella Vista
With median gross rent near $1,395 per month, twelve months of interrupted income in Bella Vista comes to about $16,740 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.
Building age and underwriting in Bella Vista
With a median year built of 1996, many Bella Vista rentals are reaching the age where original roofs, water heaters, and HVAC units are replaced. Note those dates on your request.
Types of rental property in Bella Vista
Bella Vista is mostly single-family, around 95% of units, with 2–4 unit buildings at 3%. Single-family rentals here typically go on a dwelling fire policy.
Bella Vista next to other Arkansas rental cities
In Rogers, 43% of occupied homes are rented and the median value is $308,200. Bentonville has a renter share of 50% with homes valued around $428,500 at the median. Centerton has a renter share of 34% with homes valued around $338,500 at the median. By renter share, Bella Vista is number 20 on our list of 20 Arkansas cities. Buildings with five or more units hold about 1% of Bella Vista's homes; those generally need commercial apartment coverage rather than dwelling forms.
Bella Vista weather exposures that affect landlord claims
In Bella Vista, think about tornadoes and straight-line wind first, then large hail. Both appear frequently in Arkansas 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.
Requesting coverage for a Bella Vista rental
- Desired liability limit and loss-of-rents amount
- The Bella Vista address and how many units it has
- Construction year plus the age of the roof
- How it is occupied today, including any vacancy or short-term use
- Any system updates, with years
- Your existing policy and recent claims
- Mortgage company details, if financed
Request a Bella Vista landlord quote
Bella Vista landlord insurance questions
How many renters live in Bella Vista?
About 12% of occupied homes in Bella Vista, roughly 1,615 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Bella Vista?
No Arkansas law mandates it for Bella Vista owners, though lenders, HOAs, and property managers commonly require it.
What is a typical landlord premium in Bella Vista?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Arkansas dwelling-fire average of $571; see our Arkansas page for the full table.
More landlord pages near Bella Vista
Landlord insurance in Arkansas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.