Renters Insurance at Oak Park Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Oak Park Apartments can push your insurance cost up or down:
Older Building
Built in 1973 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
NeighborhoodScout
Safer than only 1% of US cities
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 Oak Park Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Oak Park 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
Next Step
See if you can beat $16/mo
4 discounts may apply here. Real quotes show your actual price — estimates can't.
Safety
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.
On-Site Security
Natural Hazards & Your Renters Coverage
At Oak Park Apartments, none of the three big natural hazards a renter might worry about — flooding, earthquakes, severe weather — show up as meaningful concerns. A standard renters policy without endorsements covers the actual claim risks here. The agency-by-agency detail is below if you want to see it.
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 severe-weather record for Dallas County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source: NOAA Storm Events Database, annual averages from the past five years for Dallas County. Counts reflect reported events, not damage amounts.
The natural-hazard picture is favorable enough that a baseline renters policy is the right end-state for most renters here. No upgrade required.
5318 S Hampton Rd, Dallas, TX 75232
Oak Cliff
Monthly Cost Breakdown at Oak Park Apartments
The listed rent isn't the whole number. Here's what Oak Park Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Oak Park Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Administrative Fee
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Oak Park Apartments.
Grocery
- Fiesta Mart #65 4.0
- Walmart Supercenter 3.9
- Tom Thumb 4.3
Pharmacy
- ReNue Hampton Pharmacy 4.9
- Walgreens Pharmacy 3.7
- Easy Care Pharmacy
Hospital
- Methodist Charlton Medical Center: Emergency Room 2.2
- Methodist Dallas Medical Center Emergency Room 2.5
- Baylor University Medical Center, part of Baylor Scott & White Health Emergency Room 3.6
Gym
- Barry's Dallas 4.7
- Fitness Connection 4.7
- Thurgood Marshall Recreation Center 4.6
Restaurant
- Luby's 4.0
- Rod’s Catfish Kitchen 5.0
- Rod's Catfish Kitchen Featuring Tiffanie's Desserts 4.5
Park
- Oak Park Apartments 3.5
- Thurgood Marshall Recreation Center 4.6
- Kiest Park Recreation Center 4.5
Bank
- Credit Union of Texas 4.3
- ATM (ATM Link, Inc.)
- Wells Fargo Bank 3.1
Gas
- Chevron 3.7
- Texaco Dallas 4.3
- QuikTrip 3.7
About Oak Park Apartments
From the property listing:
Oak Park Apartments is close to I-20 and Highway 67, and is minutes away from downtown Dallas and Red Bird Mall. The community has a swimming pool, clothes care facility, 24-hour emergency maintenance, and a courtesy patrol. The apartments range from 441–980 sq ft and have 1–2 bedrooms. They include a fireplace, individual heat and A/C, walk-in closets, and a balcony or patio. All utilities are included in the rent. The Thurgood Marshall Recreation Center is across the street from the community.
Frequently Asked Questions
Does Oak Park Apartments require renters insurance?
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What will I actually pay per month at Oak Park Apartments?
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What is SafeButler and how does it work for Oak Park Apartments renters?
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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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