Pine Bluff, AR
Rental property insurance for Pine Bluff landlords
Local rental data and insurance guidance for Pine Bluff property owners. A quote is not a binder.
Pine Bluff is home to roughly 38,785 people in Jefferson County, and about 48% of its 14,152 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.
Key housing figures for Pine Bluff, AR
| Measure | Pine Bluff | Arkansas |
|---|---|---|
| Renter-occupied homes | 48% (6,850) | 34% |
| Median owner-occupied home value | $89,400 | $188,000 |
| Median gross rent | $855/mo | $947/mo |
| Median year structure built | 1972 | 1987 |
| Homes in 2–4 unit buildings | 7% | 6% |
| Single-family homes (detached or attached) | 74% | 72% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Setting coverage on a Pine Bluff rental
Homes in Pine Bluff carry a median value near $89,400 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.
NAIC data for 2023 shows an average Arkansas dwelling-fire premium of $408 in the Under $150,000 coverage band, which brackets Pine Bluff'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 Pine Bluff
The Census median gross rent for Pine Bluff, $855 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $10,260 per unit.
How old Pine Bluff's housing is, and why it matters
Housing in Pine Bluff is middle-aged, with a median year built of 1972. Expect questions about the electrical panel brand, water heater age, and roof replacement dates.
Single-family, small multi-unit, and apartments in Pine Bluff
Pine Bluff is mostly single-family, around 74% of units, with 2–4 unit buildings at 7%. Single-family rentals here typically go on a dwelling fire policy.
Pine Bluff versus other large Arkansas communities
Little Rock has a renter share of 46% with homes valued around $236,400 at the median. Fayetteville has a renter share of 58% with homes valued around $349,600 at the median. Fort Smith has a renter share of 47% with homes valued around $178,100 at the median. By renter share, Pine Bluff is number 6 on our list of 20 Arkansas cities. Buildings with five or more units hold about 15% of Pine Bluff's homes; those generally need commercial apartment coverage rather than dwelling forms.
Storm and hazard considerations in Pine Bluff
Typical Arkansas property risks such as large hail and ice storms affect owners in Pine Bluff and the rest of Jefferson 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 Pine Bluff rental
- Electrical, plumbing, and heating update years
- Prior carrier, expiration date, and five-year loss history
- Lender name for the mortgagee clause
- How much liability and lost rent you want covered
- Property location in Pine Bluff and unit count
- Construction year plus the age of the roof
- Lease type and whether the unit is ever empty
Request a Pine Bluff landlord quote
Pine Bluff landlord insurance questions
What share of Pine Bluff homes are rentals?
About 48% of occupied homes in Pine Bluff, roughly 6,850 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Pine Bluff?
Arkansas law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
How much does landlord insurance cost in Pine Bluff?
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.