Sherwood, AR
Landlord insurance in Sherwood, Arkansas
What Sherwood landlords should know before insuring a rental. A quote is not a binder.
Sherwood is home to roughly 33,281 people in Pulaski County, and about 29% of its 14,077 occupied homes are rented rather than owner-occupied, below the Arkansas rate of 34%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Census snapshot: Sherwood housing
| Measure | Sherwood | Arkansas |
|---|---|---|
| Renter-occupied homes | 29% (4,116) | 34% |
| Median owner-occupied home value | $199,500 | $188,000 |
| Median gross rent | $1,101/mo | $947/mo |
| Median year structure built | 1986 | 1987 |
| Homes in 2–4 unit buildings | 6% | 6% |
| Single-family homes (detached or attached) | 79% | 72% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Dwelling limits for Sherwood landlords
At a median home value of $199,500, Sherwood is in line with Arkansas overall ($188,000). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
If your rental is insured somewhere around Sherwood's median, the closest NAIC benchmark is the $150,000–$199,999 band, where the 2023 Arkansas dwelling-fire average was $899. The all-amounts state figure was $571.
Protecting rental income in Sherwood
Median gross rent in Sherwood is about $1,101 a month. A year of lost rent at that level is roughly $13,212 per unit, a useful yardstick when you choose fair rental value coverage.
Building age and underwriting in Sherwood
Half of Sherwood's homes were built before 1986 and half after. Polybutylene supply lines were installed in some homes from the late 1970s to mid-1990s, and insurers may ask whether they have been replaced.
What Sherwood landlords typically own
About 79% of homes in Sherwood are single-family, so most local landlords insure one house at a time. A DP-3 form with liability and loss of rents is the usual starting point; our rental property insurance page explains the parts.
Comparing Sherwood to neighboring cities
Little Rock has a renter share of 46% with homes valued around $236,400 at the median. North Little Rock has a renter share of 55% with homes valued around $178,900 at the median. Nearby Jacksonville reports 50% renter households and a $163,400 median home value, so proportionally more renters than Sherwood. By renter share, Sherwood is number 19 on our list of 20 Arkansas cities. Roughly 11% of homes in Sherwood are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Sherwood weather exposures that affect landlord claims
For rentals in Sherwood, the hazards that most often shape Arkansas landlord coverage include large hail and ice storms. 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.
Your Sherwood quote checklist
- Any system updates, with years
- Prior carrier, expiration date, and five-year loss history
- Mortgage company details, if financed
- How much liability and lost rent you want covered
- Property location in Sherwood and unit count
- Construction year plus the age of the roof
- Lease type and whether the unit is ever empty
Request a Sherwood landlord quote
Sherwood landlord insurance questions
What share of Sherwood homes are rentals?
About 29% of occupied homes in Sherwood, roughly 4,116 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Sherwood landlords have to carry insurance?
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 Sherwood?
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.