North Little Rock, AR
Rental property insurance for North Little Rock landlords
Local rental data and insurance guidance for North Little Rock property owners. A quote is not a binder.
Census estimates put North Little Rock's renter-occupied share at 55%, or roughly 17,700 of 31,956 occupied homes. Compared with 34% across Arkansas, that is above average, and it tells you a lot about the local rental stock owners are insuring.
Census snapshot: North Little Rock housing
| Measure | North Little Rock | Arkansas |
|---|---|---|
| Renter-occupied homes | 55% (17,700) | 34% |
| Median owner-occupied home value | $178,900 | $188,000 |
| Median gross rent | $1,069/mo | $947/mo |
| Median year structure built | 1975 | 1987 |
| Homes in 2–4 unit buildings | 9% | 6% |
| Single-family homes (detached or attached) | 62% | 72% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
What home values in North Little Rock mean for your dwelling limit
North Little Rock's median home value, roughly $178,900, 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.
For context, the NAIC reported that Arkansas dwelling-fire policies insuring $150,000 to $199,999 averaged $899 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 North Little Rock
Median gross rent in North Little Rock is about $1,069 a month. A year of lost rent at that level is roughly $12,828 per unit, a useful yardstick when you choose fair rental value coverage.
Building age and underwriting in North Little Rock
The median North Little Rock home was built around 1975. 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.
North Little Rock's mix of rental buildings
Roughly 62% of North Little Rock homes are single-family, 9% sit in small 2–4 unit buildings, and 27% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
Comparing North Little Rock to neighboring cities
Nearby Little Rock reports 46% renter households and a $236,400 median home value, so proportionally fewer renters than North Little Rock. In Sherwood, 29% of occupied homes are rented and the median value is $199,500. In Jacksonville, 50% of occupied homes are rented and the median value is $163,400. By renter share, North Little Rock is number 2 on our list of 20 Arkansas cities. Buildings with five or more units hold about 27% of North Little Rock's homes; those generally need commercial apartment coverage rather than dwelling forms.
North Little Rock weather exposures that affect landlord claims
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 North Little Rock 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 North Little Rock quote checklist
- Year built and roof age
- How it is occupied today, including any vacancy or short-term use
- Electrical, plumbing, and heating update years
- Prior carrier, expiration date, and five-year loss history
- Lender name for the mortgagee clause
- Desired liability limit and loss-of-rents amount
- Street address in North Little Rock and number of units
Request a North Little Rock landlord quote
North Little Rock landlord insurance questions
How many renters live in North Little Rock?
About 55% of occupied homes in North Little Rock, roughly 17,700 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do North Little Rock landlords have to carry insurance?
No Arkansas law mandates it for North Little Rock owners, though lenders, HOAs, and property managers commonly require it.
What is a typical landlord premium in North 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 North Little Rock
Landlord insurance in Arkansas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.