Pepperwood Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 31, 2026

Thinking about renting at Pepperwood Apartments in Garland? Rent here runs $799 - $1,744, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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4625-4645 W Walnut St, Garland, TX 75042

Garland

Built 1980 2 stories 218 units
4/5
$799 - $1,744 /month

Monthly Cost Breakdown at Pepperwood Apartments

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

Total Monthly Cost $814 – $1,759
Base Rent $799 – $1,744
Required Monthly Fees $0
Est. Renters Insurance $15/mo

Renters Insurance at Pepperwood Apartments

What Affects Your Premium Here

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

Older Building

Built in 1980 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

Dog-Friendly

Dogs allowed — consider higher liability coverage

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$15

Est. Monthly

$176

Est. Annual

$14

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 Pepperwood Apartments based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

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 Pepperwood 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

Gated community

Up to 5% 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 additional charges beyond base rent at Pepperwood Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

$100 per person

$50

Administrative Charge

$100 per person

$100

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 Pepperwood Apartments.

1%

Garland overall is safer than only 1% of U.S. cities

This reflects Garland as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: Pepperwood Apartments has on-site security features (Gated) that insurers recognize with premium discounts.

On-Site Security

Gated

Amenities

Community Features

Laundry Facilities Walk-Up Pool

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Heating Ceiling Fans Smoke Free Cable Ready Dishwasher Disposal Oven Range Refrigerator Carpet Vinyl Flooring

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Pepperwood Apartments.

Grocery

  • Southwest Farmers Market 3.8
  • Cherry Grocery Store 4.6
  • Kroger 4.0

Pharmacy

  • CVS Pharmacy y más 4.0
  • Pharmax Pharmacy 3.8
  • CVS 2.3

Hospital

  • Medical City ER Garland 3.4
  • TotalCare Emergency Room 4.8
  • Baylor Scott & White Urgent Care - North Garland 4.3

Gym

  • Planet Fitness 4.2
  • Fitness Connection 4.5
  • Life Time 3.9

Restaurant

  • Amor Lounge 4.9
  • My Canh Restaurant 4.3
  • Fantasy Club & Restaurant DBA Sky Club Restaurant 4.8

Park

  • Hollabaugh Park 4.5
  • Harris Hollabaugh Recreation Center 4.4
  • Garland Parks & Recreation 4.7

Bank

  • Prosperity Bank 3.4
  • Bank of America (with Drive-thru ATM) 2.6
  • Chase Bank 2.7

Gas

  • Shell 3.9
  • Exxon 3.7
  • Valero 3.7

Pet Policy

Bringing a pet? Here's what Pepperwood 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

  • $500 Deposit
  • $25 Monthly Pet Rent
  • 85 lb Weight Limit
  • 2 Pet Limit

About Pepperwood Apartments

Pepperwood in Garland, TX is ready for you to visit. Make sure you to check out the current floorplan options. The leasing staff is waiting to show you all that this community has to offer. At this community, you'll have top amenities and features available to you like smoke free options, washers and dryers, and high-speed internet access. Stop by Pepperwood today.

Year Built: 1980
Stories: 2
Total Units: 218
Phone: (833) 293-3513

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.

Embree Hill Apartments

Garland

$1,278 - $4,036 Ins: ~$13/mo

FOX BEND APARTMENTS

Garland

$1,150 - $1,325 Ins: ~$15/mo

Hickory Apartments

Garland

$1,099 - $1,320 Ins: ~$16/mo

Lake Colony Apartments

Garland

$803 - $2,408 Ins: ~$16/mo

Parc at Garland Apartments

Garland

$1,170 - $5,323 Ins: ~$13/mo

Rayside Residences Apartments

Garland

$795 - $1,652 Ins: ~$15/mo

Frequently Asked Questions

Does Pepperwood Apartments require renters insurance?
We didn't find a public insurance requirement for Pepperwood 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 Pepperwood Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Pepperwood Apartments has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Pepperwood Apartments?
Plan for $814 to $1,759/month all-in. That's base rent ($799 - $1,744), 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 Pepperwood Apartments allow pets?
Yes, Pepperwood Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $500 Deposit. $25 Monthly Pet Rent. 85 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 Pepperwood Apartments offer?
There are 4 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $799 - $1,744. 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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