Little Rock, AR
Rental property insurance for Little Rock landlords
Coverage for rental homes and 2–4 unit buildings in Little Rock, with local Census housing data. A quote is not a binder.
Little Rock is home to roughly 203,000 people in Pulaski County, and about 46% of its 87,858 occupied homes are rented rather than owner-occupied, above the Arkansas rate of 34%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Census snapshot: Little Rock housing
| Measure | Little Rock | Arkansas |
|---|---|---|
| Renter-occupied homes | 46% (40,812) | 34% |
| Median owner-occupied home value | $236,400 | $188,000 |
| Median gross rent | $1,106/mo | $947/mo |
| Median year structure built | 1978 | 1987 |
| Homes in 2–4 unit buildings | 8% | 6% |
| Single-family homes (detached or attached) | 62% | 72% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Setting coverage on a Little Rock rental
Homes in Little Rock carry a median value near $236,400 according to the Census, compared with $188,000 statewide. Because land is never rebuilt, many owners find their rebuild estimate differs from that figure in either direction.
If your rental is insured somewhere around Little Rock's median, the closest NAIC benchmark is the $225,000–$249,999 band, where the 2023 Arkansas dwelling-fire average was $969. The all-amounts state figure was $571.
Fair rental value coverage for Little Rock units
Median gross rent in Little Rock is about $1,106 a month. A year of lost rent at that level is roughly $13,272 per unit, a useful yardstick when you choose fair rental value coverage.
Construction era of Little Rock rentals
The median Little Rock home was built around 1978. Rentals from that era may still have original panels, aging supply lines, or roofs on a second or third replacement, which are the details underwriters ask about first.
Types of rental property in Little Rock
Roughly 62% of Little Rock homes are single-family, 8% sit in small 2–4 unit buildings, and 29% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
How Little Rock compares with nearby Arkansas markets
North Little Rock has a renter share of 55% with homes valued around $178,900 at the median. Nearby Sherwood reports 29% renter households and a $199,500 median home value, so proportionally fewer renters than Little Rock. In Jacksonville, 50% of occupied homes are rented and the median value is $163,400. Among the 20 largest Arkansas cities we profile, Little Rock ranks 9 for renter share. Buildings with five or more units hold about 29% of Little Rock's homes; those generally need commercial apartment coverage rather than dwelling forms.
Little Rock weather exposures that affect landlord claims
For rentals in Little Rock, the hazards that most often shape Arkansas landlord coverage include ice storms and river and flash flooding, which requires separate flood coverage. Ask how your policy handles each, and whether any separate deductible applies.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
What to have ready for a Little Rock quote
- Street address in Little Rock and number of units
- When the building went up and when the roof was last replaced
- How it is occupied today, including any vacancy or short-term use
- Dates of wiring, plumbing, and HVAC upgrades
- Current insurer and any losses in five years
- Lender name for the mortgagee clause
- Desired liability limit and loss-of-rents amount
Request a Little Rock landlord quote
Questions from Little Rock rental owners
How many renters live in Little Rock?
About 46% of occupied homes in Little Rock, roughly 40,812 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Little Rock?
Not by statute. In practice, a Little Rock rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
What is a typical landlord premium in Little Rock?
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 Little Rock
Landlord insurance in Arkansas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.