Renters Insurance at The Louise Townhomes
What Affects Your Premium Here
Every building is different. These factors specific to The Louise Townhomes can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2057/100K (30% above national average)
What You'll Likely Pay
$13
Est. Monthly
$155
Est. Annual
$14
State Avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for The Louise Townhomes based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near The Louise Townhomes:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $96/yr |
| USAA | $9/mo | $108/yr |
| State Farm | $12/mo | $144/yr |
| Progressive | $13/mo | $156/yr |
| Safeco | $13/mo | $156/yr |
| Travelers | $14/mo | $168/yr |
| Allstate | $15/mo | $180/yr |
| Nationwide | $15/mo | $180/yr |
| Farmers | $16/mo | $192/yr |
| Liberty Mutual | $18/mo | $216/yr |
Discounts You May Qualify For
Next Step
See if you can beat $13/mo
4 discounts may apply here. Real quotes show your actual price — estimates can't.
Property Crime & Theft Risk
Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for Arlington.
Arlington property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. The Louise Townhomes also has on-site security features (Property manager on site, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Arlington (2024-12 to 2025-11)
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
What residents talk about most
Management
Consistently positive in reviews
“Super friendly staff, great maintenance team.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
From a renters-insurance angle, The Louise Townhomes doesn't have unusual exposure to the natural hazards that a standard policy excludes — flood risk is low and significant earthquakes are rare here. What renters in Tarrant County are likely to actually claim against, on the other hand, is severe weather: NOAA records around 19 severe weather events a year locally. Wind, hail, and storm damage to your possessions are all covered by a baseline policy.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Earthquake shaking
USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.
Low seismic hazard · ground motion 0.04g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's records put Tarrant County squarely in severe-weather territory: roughly 19 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Tarrant County. Counts reflect reported events, not damage amounts.
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
Fees Beyond Rent
These are the additional charges beyond base rent at The Louise Townhomes. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Pets Fees
Pet Deposit
Max of 2. Charged per pet.
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
One-Time Pet Fee
Max of 2. Charged per pet.
Pet Policy
Bringing a pet? Here's what The Louise Townhomes allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Louise Townhomes
From the property listing:
Welcome to The Louise Townhomes, an Audubon-certified community where sustainable living and luxury go hand in hand. Our thoughtfully designed townhomes offer private 2 car garages, elevated finishes, smart-home features, and abundant natural light. Choose from two- and three-bedroom layouts, featuring stylish details like granite countertops, custom cabinetry, and private balconies or patios.
Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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