Embree Hill Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 31, 2026

Thinking about renting at Embree Hill Apartments in Garland? Rent here runs $1,278 - $4,036, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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4901 Peninsula Way, Garland, TX 75043

Garland

Built 2023 3 stories 361 units
4/5 ·59 reviews
$1,278 - $4,036 /month

Monthly Cost Breakdown at Embree Hill Apartments

The listed rent isn't the whole number. Here's what Embree Hill Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,506 – $4,264
Base Rent $1,278 – $4,036
Required Monthly Fees $215
Est. Renters Insurance $13/mo

Renters Insurance at Embree Hill Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Embree Hill Apartments can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

What You'll Likely Pay

$13

Est. Monthly

$155

Est. Annual

$13

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 Embree Hill Apartments based on the rent level and building features.

Personal Property Coverage

$75,000 recommended
Low: $40,000 High: $100,000

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 Embree Hill Apartments:

Carrier Est. Monthly Est. Annual Tier Buy Online
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

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 additional charges beyond base rent at Embree Hill Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Water Base Charge

Directly metered

$14.11 / mo

Valet Trash

$25 / mo

Parking - Carport

$25 / mo

Smart Home Technology

$30 / mo

Conservice Admin Fee

$4 / mo

Pest Control

$5 / mo

Bulk Internet Program

$60 / mo

Sewer Base

$9.88 / mo

Electricity

Directly metered

Varies

Sewer

Submetered

Varies

Water

Submetered

Varies

Trash

Allocated Per Unit

Varies

Application Deposit

$300

Application Fee

$50

Administration Fee

$150

Pets Fees

Non-Refundable Pet Fee

$250

Pet Deposit

$250

Pet Rent

$25 / mo

Parking Fees

Parking Fee

$200 / mo

Addons Fees

Renter's Insurance Charges

$15 / mo

Situational Fees

Reletting Fee

85% of Rent

Varies

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 Embree Hill Apartments.

On-Site Security

Covered parking

Amenities

Special Features

Private Balconies Attached Garages in Select Apartments Stainless Steel Appliance Package Stain-Resistant Natural Carpet Deluxe 5-Setting Shower Head Electric Vehicle Charging Stations Private Courtyard Weathered Barn Wood Plank Floors Warm Gray Ceramic-Tile Backsplash Brushed Nickel Hardware Etched Glass Lights Large Island With Pendant Lighting Smart Home Technology Under-Mount Sink Floor-to-Ceiling Porcelain Tile Surrounds Keyless Entry Outdoor Grilling Stations Polished Granite Countertops Shaker-Style Cabinetry

Community Features

Pet Washing Station Car Charging Station Business Center Clubhouse Courtyard Fitness Center Pool

Floor Plan Amenities

Air Conditioning Granite Countertops Stainless Steel Appliances Carpet Balcony

Pet Policy

Bringing a pet? Here's what Embree Hill 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 and Cats Allowed

About Embree Hill Apartments

Luxury apartment dreams start here at Embree Hill apartments conveniently located in Garland, TX. Its easy to see how living here could bring a quality to your life thats hard to find elsewhere. From granite countertops and wood plank floors to resort-inspired pools and pet-friendly outdoor social spaces, our apartments and community amenities capture the best organic character with a modern-rustic connection to the great outdoors.

Year Built: 2023
Stories: 3
Total Units: 361
Phone: (469) 936-4259

Other Options Nearby

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

Frequently Asked Questions

Does Embree Hill Apartments require renters insurance?
We didn't find a public insurance requirement for Embree Hill 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 Embree Hill Apartments?
For this zip code and building type, expect to pay around $13/month ($155/year). Embree Hill Apartments has security features that qualify for discounts — with those applied, you could pay as little as $13/month. For context, the statewide average is $14/month, so this building is below average.
What will I actually pay per month at Embree Hill Apartments?
Plan for $1,506 to $4,264/month all-in. That's base rent ($1,278 - $4,036), plus $215/month in required fees (trash, utilities, etc.), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Embree Hill Apartments allow pets?
Yes, Embree Hill Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. 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 Embree Hill Apartments offer?
There are 10 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,278 - $4,036. 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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