400 North Ervay Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 31, 2026

Thinking about renting at 400 North Ervay Apartments in Downtown Dallas? With rent at $1,690 - $2,171 and renters insurance running about $15/mo, we've put together what you need to know before you sign — including which carriers offer the best rates for this building and what your lease actually requires.

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400 N Ervay, St, Dallas, TX 75201

Downtown Dallas

Built 1930 5 stories 78 units
5/5 ·2 reviews
$1,690 - $2,171 /month

Monthly Cost Breakdown at 400 North Ervay Apartments

The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at 400 North Ervay Apartments is higher than the sticker price. Here's the full picture.

Total Monthly Cost $1,705 – $2,186
Base Rent $1,690 – $2,171
Required Monthly Fees $0
Est. Renters Insurance $15/mo

What You Need to Know About Insurance at 400 North Ervay Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 400 North Ervay Apartments can push your insurance cost up or down:

Older Building

Built in 1930 — older plumbing/electrical may increase risk

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

What You'll Likely Pay

$15

Est. Monthly

$184

Est. Annual

$15

With Discounts/mo

$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 400 North Ervay Apartments based on the rent level and building features.

Personal Property Coverage

$50,000 recommended
Low: $30,000 High: $75,000

Liability Coverage

$300,000 $300,000

Dog-friendly community — higher liability recommended for pet-related incidents

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 400 North Ervay Apartments:

Carrier Est. Monthly Est. Annual Tier Digital
Lemonade $8 $96 budget Yes
USAA $9 $108 budget —
State Farm $12 $144 mid —
Progressive $13 $156 mid Yes
Safeco $13 $156 mid —
Travelers $14 $168 mid —
Allstate $15 $180 mid —
Nationwide $15 $180 mid —
Farmers $16 $192 premium —
Liberty Mutual $18 $216 premium —

Discounts You May Qualify For

Controlled access

Up to 3% off

Claims-free (if applicable)

Up to 10% off

Pay-in-full annual

Up to 7% off

Paperless/autopay

Up to 3% off

Multi-policy bundle

Up to 10% off

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Fees Beyond Rent

These are the extra charges 400 North Ervay Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Application Fee Per Applicant

$85

Administrative Fee

$150

Pets Fees

Monthly Pet Fee

$40 / mo

One-Time Pet Fee

$400

Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around 400 North Ervay Apartments.

On-Site Security

Package service Controlled access Property manager on site On site maintenance

Amenities

Special Features

Chrome/Brass Hardware City skyline view Grill Stations Pool Table Resident Lounge Stackable Washer/Dryer in Unit

Community Features

Community-Wide WiFi Wi-Fi Maintenance on site 24 Hour Access On-Site Retail Recycling Renters Insurance Program Online Services Public Transportation Key Fob Entry Elevator Clubhouse Lounge Storage Space Sundeck Grill Fitness Center Bicycle Storage Media Center/Movie Theatre

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Storage Space Tub/Shower Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Instant Hot Water Hardwood Floors Carpet Tile Floors High Ceilings Office Built-In Bookshelves Crown Molding Vaulted Ceiling Views Walk-In Closets Linen Closet Deck

Pet Policy

Bringing a pet? Here's what 400 North Ervay Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.

Dogs Allowed

  • $40 Monthly Pet Rent
  • $400 Fee
  • 150 lb Weight Limit
  • 2 Pet Limit
  • 100 lb Weight Limit

About 400 North Ervay Apartments

Join us at 400 North Ervay and reshape the way you think about urban living!Located inside the historic U.S. Post Office and Courthouse building in Downtown Dallas, TX, we are not only nestled in the heart of the city but also in the epitome of craftsmanship and luxury. Infused with timeless elegance, our living spaces are ready to make you part of the story. Outfitted with every convenience you can think of, the lofts and penthouses at 400 North Ervay are the perfect backdrops to your on-the-go lifestyle. Steelcase windows with solar shades, high ceilings, and handsome antique hardwood floors are there to frame your new Downtown Dallas view. The top of the line stainless steel appliances, Brazilian Acacia browns granite countertops, premium Moen fixtures, smart sound system, and plush carpeting in the bedrooms further enhance your experience. At the same time, the large walk-in closets and in-home washers and dryers make it easy to keep the space organized.Outside you will find everything else you need to enjoy a lavish living experience. It all starts with the careful attention that went into every detail of transforming this historic building in a nest of urban indulgence. Without altering any of its charms, 400 North Ervay welcomes you with a magistrate lounge, dramatic downtown views, and a gorgeous rooftop deck with a firepit. More than this, you have immediate access to DART, as well as reserved parking, package receiving, and on-site maintenance readily available.Contact us today for a tour and see why you'll want to make 400 North Ervay your new home.

Year Built: 1930
Stories: 5
Total Units: 78
Phone: (469) 405-4693

Other Options Nearby

Still weighing your choices? These communities are in the same part of Dallas — with their own insurance costs and safety profiles worth comparing.

1900 Pacific Residences Apartments

Downtown Dallas

$1,449 - $2,398 Ins: ~$15/mo

555 Ross Apartments

Downtown Dallas

$1,574 - $2,162 Ins: ~$12/mo

Arrive West End Apartments

Downtown Dallas

$1,724 - $3,524 Ins: ~$13/mo

Butler Brothers Building Apartments

Downtown Dallas

$2,000 - $2,300 Ins: ~$15/mo

CITYSCAPE PARK Apartments

Downtown Dallas

$1,385 - $2,820 Ins: ~$12/mo

Cortland Farmers Market Apartments

Downtown Dallas

$1,612 - $11,811 Ins: ~$12/mo

Frequently Asked Questions

Does 400 North Ervay Apartments require renters insurance?
We didn't find a public insurance requirement for 400 North Ervay Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at 400 North Ervay Apartments?
For this zip code and building type, expect to pay around $15/month ($184/year). 400 North Ervay Apartments has security features that qualify for discounts — with those applied, you could pay as little as $15/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at 400 North Ervay Apartments?
Plan for $1,705 to $2,186/month all-in. That's base rent ($1,690 - $2,171), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 400 North Ervay Apartments allow pets?
Yes, 400 North Ervay Apartments is pet-friendly. Here are the details: Dogs Allowed. $40 Monthly Pet Rent. $400 Fee. 150 lb Weight Limit. 2 Pet Limit. 100 lb Weight Limit. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
What floor plans does 400 North Ervay Apartments offer?
There are 22 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,690 - $2,171. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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