La Mirada Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 31, 2026

Thinking about renting at La Mirada Apartments in Richardson? Rent here runs $1,049 – $2,296, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1433 Regal Dr, Richardson, TX 75080

Richardson

Managed by CAF Management Built 1979 2 stories 622 units
4/5 ·5 reviews Apt. Finder
$1,049 – $2,296 /month

Monthly Cost Breakdown at La Mirada Apartments

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

Total Monthly Cost $1,262 – $2,509
Base Rent $1,049 – $2,296
Required Monthly Fees $197
Est. Renters Insurance $16/mo

Renters Insurance at La Mirada Apartments

What Affects Your Premium Here

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

Older Building

Built in 1979 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

What You'll Likely Pay

$16

Est. Monthly

$193

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 La Mirada Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 La Mirada Apartments:

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

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $16/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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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 Richardson.

On-Site Security

Package service Property manager on site Concierge Doorman

Fees Beyond Rent

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

Required Fees

Concierge Package

$10 / mo

Liability Waiver - Concierge

$16 / mo

Amenity Fee- Concierge

$25 / mo

VALET TRASH -Concierge

$30 / mo

Lease Lock Fee

$39 / mo

LEASELOCK

$39 / mo

Pest Control - Concierge

$8 / mo

Application Fee

$50

Administrative Fee

$125

Non-refundable Administrative Fee

$49

Meter Fee

$50

ELECTMETERFEE

$50

Pets Fees

Monthly Pet Fee

$25 / mo

One-Time Pet Fee

$400

Parking Fees

Parking Fee

$45 / mo

Amenities

Special Features

Appliance Upgrade CAF Upgrade Floor Premium Interactive Bark Park Laundry Facilities Located near Highways I-635 and I-75 Minutes Away From Galleria Mall and Major Employers Package Concierge Service Private Yards Public Transportation Richardson School District Three Swimming Pools with Large Sundeck Updated Package Upgrade 1 Upgrade 2 Walking Distance to Cottonwood Park Washer and Dryer Yard

Community Features

Laundry Facilities Maintenance on site Online Services Planned Social Activities Pet Play Area Business Center Clubhouse Walk-Up Sundeck Courtyard Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Smoke Free Cable Ready Fireplace Dishwasher Ice Maker Stainless Steel Appliances Kitchen Oven Range Refrigerator Freezer Hardwood Floors Carpet Vinyl Flooring Dining Room Office Walk-In Closets Window Coverings Patio Yard

Pet Policy

Bringing a pet? Here's what La Mirada 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
$25 Monthly Pet Rent
$400 Fee
100 lb Weight Limit
2 Pet Limit

About La Mirada Apartments

Year Built: 1979
Stories: 2 stories
Units: 622
Management: CAF Management
Phone: (682) 331-7242

From the property listing:

Welcome to LaMirada, where community, comfort, and convenience await. Our community is located in desirable Richardson ISD and is convenient to LBJ Freeway and Central Expressway. La Mirada is known for large living spaces with abundant amenities. Our pet-friendly community offers one, two, and three-bedroom flats and townhomes. Relax in one of our three refreshing pools with sundecks, work out in the fitness center, and meet your neighbors among the gathering areas within the courtyards of LaMirada.

Other Options Nearby

Still weighing your choices? Other communities in Richardson — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does La Mirada Apartments require renters insurance?
We didn't find a public insurance requirement for La Mirada 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 La Mirada Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). For context, the statewide average is $14/month, so this building is above average.
What will I actually pay per month at La Mirada Apartments?
Plan for $1,262 to $2,509/month all-in. That's base rent ($1,049 – $2,296), plus $197/month in required fees (trash, utilities, etc.), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does La Mirada Apartments allow pets?
Yes, La Mirada Apartments is pet-friendly. Here are the details: Dogs Allowed. $25 Monthly Pet Rent. $400 Fee. 100 lb Weight Limit. 2 Pet 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 La Mirada Apartments offer?
There are 12 floor plans to choose from, spanning 2-bedroom, 3-bedroom layouts. Rent ranges from $1,049 – $2,296. 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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