Cabot, AR
Landlord insurance in Cabot, Arkansas
Coverage for rental homes and 2–4 unit buildings in Cabot, with local Census housing data. A quote is not a binder.
Cabot is home to roughly 27,575 people in Lonoke County, and about 31% of its 10,160 occupied homes are rented rather than owner-occupied, close to the Arkansas rate of 34%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Cabot rental housing by the numbers
| Measure | Cabot | Arkansas |
|---|---|---|
| Renter-occupied homes | 31% (3,172) | 34% |
| Median owner-occupied home value | $207,300 | $188,000 |
| Median gross rent | $1,110/mo | $947/mo |
| Median year structure built | 2000 | 1987 |
| Homes in 2–4 unit buildings | 6% | 6% |
| Single-family homes (detached or attached) | 78% | 72% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Setting coverage on a Cabot rental
The median owner-occupied home in Cabot is valued at about $207,300, higher than the Arkansas median of $188,000. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.
If your rental is insured somewhere around Cabot's median, the closest NAIC benchmark is the $200,000–$224,999 band, where the 2023 Arkansas dwelling-fire average was $913. The all-amounts state figure was $571.
Fair rental value coverage for Cabot units
Rents in Cabot center on about $1,110 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $13,320 per unit at the median.
Construction era of Cabot rentals
Cabot has relatively new housing, with a median year built of 2000. Newer construction often prices well, though insurers still ask about roof material and any prior water claims.
Types of rental property in Cabot
Cabot is mostly single-family, around 78% of units, with 2–4 unit buildings at 6%. Single-family rentals here typically go on a dwelling fire policy.
How Cabot compares with nearby Arkansas markets
For comparison, Little Rock comes in at 46% rented and $236,400 median value, with median rent of $1,106. In Fayetteville, 58% of occupied homes are rented and the median value is $349,600. In Fort Smith, 47% of occupied homes are rented and the median value is $178,100. Cabot places 18 of 20 profiled Arkansas cities by share of rented homes. Buildings with five or more units hold about 13% of Cabot's homes; those generally need commercial apartment coverage rather than dwelling forms.
Storm and hazard considerations in Cabot
Typical Arkansas property risks such as ice storms and river and flash flooding, which requires separate flood coverage affect owners in Cabot and the rest of Lonoke County. Flood and earthquake are excluded from standard dwelling forms and need their own coverage.
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 Cabot rental
- Electrical, plumbing, and heating update years
- Your existing policy and recent claims
- Mortgage company details, if financed
- Liability limit and months of rent to protect
- Property location in Cabot 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 Cabot landlord quote
Questions from Cabot rental owners
How many renters live in Cabot?
About 31% of occupied homes in Cabot, roughly 3,172 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Cabot?
Not by statute. In practice, a Cabot rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
What is a typical landlord premium in Cabot?
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 Cabot
Landlord insurance in Arkansas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.