Benton, AR
Landlord insurance in Benton, Arkansas
What Benton landlords should know before insuring a rental. A quote is not a binder.
Owners who rent out property in Benton, Saline County, are working in a market where 32% of occupied homes are rentals. The city counts about 38,088 residents; Arkansas as a whole has a renter share of 34%.
Key housing figures for Benton, AR
| Measure | Benton | Arkansas |
|---|---|---|
| Renter-occupied homes | 32% (4,892) | 34% |
| Median owner-occupied home value | $212,700 | $188,000 |
| Median gross rent | $1,072/mo | $947/mo |
| Median year structure built | 1995 | 1987 |
| Homes in 2–4 unit buildings | 4% | 6% |
| Single-family homes (detached or attached) | 81% | 72% |
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter; population from U.S. Census Bureau, Vintage 2024 population estimates.
Setting coverage on a Benton rental
At a median home value of $212,700, Benton is higher than Arkansas overall ($188,000). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
For context, the NAIC reported that Arkansas dwelling-fire policies insuring $200,000 to $224,999 averaged $913 a year in 2023, against a statewide dwelling-fire average of $571. Those are owner-occupied dwelling-form figures, not landlord quotes.
Loss-of-rents planning in Benton
The Census median gross rent for Benton, $1,072 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $12,864 per unit.
Building age and underwriting in Benton
Half of Benton's homes were built before 1995 and half after. Polybutylene supply lines were installed in some homes from the late 1970s to mid-1990s, and insurers may ask whether they have been replaced.
Single-family, small multi-unit, and apartments in Benton
Benton is mostly single-family, around 81% of units, with 2–4 unit buildings at 4%. Single-family rentals here typically go on a dwelling fire policy.
Comparing Benton to neighboring cities
In Little Rock, 46% of occupied homes are rented and the median value is $236,400. In Fayetteville, 58% of occupied homes are rented and the median value is $349,600. For comparison, Fort Smith comes in at 47% rented and $178,100 median value, with median rent of $884. Among the 20 largest Arkansas cities we profile, Benton ranks 17 for renter share. Roughly 12% of homes in Benton are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Natural hazards Benton landlords plan for
Arkansas landlords generally plan around ice storms, river and flash flooding, which requires separate flood coverage, and tornadoes and straight-line wind. Those exposures apply in Benton as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Your Benton quote checklist
- Electrical, plumbing, and heating update years
- Your existing policy and recent claims
- Mortgage company details, if financed
- How much liability and lost rent you want covered
- Property location in Benton and unit count
- When the building went up and when the roof was last replaced
- How it is occupied today, including any vacancy or short-term use
Request a Benton landlord quote
Questions from Benton rental owners
What share of Benton homes are rentals?
About 32% of occupied homes in Benton, roughly 4,892 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Benton?
No Arkansas law mandates it for Benton owners, though lenders, HOAs, and property managers commonly require it.
What is a typical landlord premium in Benton?
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.
Other Arkansas cities
Landlord insurance in Arkansas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.