Rogers, AR
Landlord insurance in Rogers, Arkansas
Local rental data and insurance guidance for Rogers property owners. A quote is not a binder.
With an estimated 75,639 residents, Rogers has around 11,231 renter households, about 43% of occupied housing. Statewide, Arkansas sits at 34%, so Rogers's rental share is above the state figure.
Rogers at a glance for landlords
| Measure | Rogers | Arkansas |
|---|---|---|
| Renter-occupied homes | 43% (11,231) | 34% |
| Median owner-occupied home value | $308,200 | $188,000 |
| Median gross rent | $1,270/mo | $947/mo |
| Median year structure built | 1998 | 1987 |
| Homes in 2–4 unit buildings | 7% | 6% |
| Single-family homes (detached or attached) | 73% | 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.
Dwelling limits for Rogers landlords
The median owner-occupied home in Rogers is valued at about $308,200, 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.
NAIC data for 2023 shows an average Arkansas dwelling-fire premium of $1,352 in the $300,000–$324,999 coverage band, which brackets Rogers'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.
Fair rental value coverage for Rogers units
Median gross rent in Rogers is about $1,270 a month. A year of lost rent at that level is roughly $15,240 per unit, a useful yardstick when you choose fair rental value coverage.
Older vs. newer rentals in Rogers
Rogers's median home dates to about 1998. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
Rogers's mix of rental buildings
Rogers is mostly single-family, around 73% of units, with 2–4 unit buildings at 7%. Single-family rentals here typically go on a dwelling fire policy.
Rogers next to other Arkansas rental cities
Bentonville has a renter share of 50% with homes valued around $428,500 at the median. For comparison, Bella Vista comes in at 12% rented and $296,700 median value, with median rent of $1,395. For comparison, Centerton comes in at 34% rented and $338,500 median value, with median rent of $1,465. Rogers places 15 of 20 profiled Arkansas cities by share of rented homes. Roughly 18% of homes in Rogers are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Storm and hazard considerations in Rogers
Typical Arkansas property risks such as ice storms and river and flash flooding, which requires separate flood coverage affect owners in Rogers and the rest of Benton 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 Rogers rental
- How it is occupied today, including any vacancy or short-term use
- Dates of wiring, plumbing, and HVAC upgrades
- Prior carrier, expiration date, and five-year loss history
- Who holds the loan, for the mortgagee clause
- Liability limit and months of rent to protect
- Street address in Rogers and number of units
- Year built and roof age
Request a Rogers landlord quote
Rogers landlord insurance questions
How many renters live in Rogers?
About 43% of occupied homes in Rogers, roughly 11,231 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Rogers?
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 Rogers?
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 Rogers
Landlord insurance in Arkansas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.