Rayside Residences Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 31, 2026

Thinking about renting at Rayside Residences Apartments in Garland? Rent here runs $795 - $1,652, 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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4358 Point Blvd, Garland, TX 75043

Garland

Managed by Sentinel Peak Capital Partners Built 1983 3 stories 321 units
4/5 ·14 reviews
$795 - $1,652 /month

Monthly Cost Breakdown at Rayside Residences Apartments

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

Total Monthly Cost $971 – $1,828
Base Rent $795 – $1,652
Required Monthly Fees $161
Est. Renters Insurance $15/mo

Renters Insurance at Rayside Residences Apartments

What Affects Your Premium Here

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

Older Building

Built in 1983 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

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

$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 Rayside Residences 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 Rayside Residences 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 Rayside Residences Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Community Maintenance Fee

Community Maintenance Fee

$18 / mo

Wifi/Internet Reimbursment

Wifi/Internet Reimbursment

$89 / mo

Pets Fees

Pet Fees Or Charges

Pet Fee - Cat - Non Refundable

$400

Parking Fees

Reserved Parking - Parking

Reserved Parking - Parking

$35 / mo

Addons Fees

Cleaning Charges

Carpet Cleaning

$0.01

Damage Charges

Carpet Replace / Repair

$0.01

Extra Keys Or Lock Changes

Keys not returned

$0.01

Administrative Fee

Administrative Fee

$150

Application Fee

Application Fee

$60

Situational Fees

Transfer Fee

Transfer Fee

$0.01

Attorney Or Legal Charges

Attorney / Legal Charges

$0.01

Month To Month Charges

Month To Month Charges

$500

Amenities

Special Features

Loss Leader Concession

Community Features

Clubhouse Lounge Fitness Center Pool

Floor Plan Amenities

Air Conditioning Balcony

What's Within Reach

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

Grocery

  • Albertsons 4.2
  • WinCo Foods 4.5
  • Sunny's Mart 2.8

Pharmacy

  • MedStork Rx Pharmacy 4.4
  • SUNNYVALE PHARMACY 5.0
  • GATEWOOD PHARMACY 4.8

Hospital

  • TotalCare Emergency Room 4.8
  • Medical City ER Garland 3.4
  • Baylor Scott & White Medical Center Garland: Emergency Room 5.0

Gym

  • Tactical Gym Elite 4.8
  • Retro Fitness 4.2
  • Life Time 3.9

Restaurant

  • Flying Saucer Draught Emporium 4.4
  • Taquería Ferrer 4.6
  • Vila Brazil - Garland 4.8

Park

  • Garland Parks & Recreation 4.7
  • Windsurf Bay Park 4.2
  • Ablon Park 4.5

Bank

  • Bank of America (with Drive-thru ATM) 2.2
  • Bank of America ATM (Drive-thru) 3.5
  • Truist 3.5

Gas

  • Valero 3.9
  • Shell 3.1
  • Texaco Garland 3.3

Pet Policy

Bringing a pet? Here's what Rayside Residences 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

  • $400 Fee

About Rayside Residences Apartments

Located in the heart of Garland, TX, Rayside Residences offers a collection of thoughtfully designed one-, two-, and three-bedroom apartment homes that blend style, space, and sophistication. Expansive interiors feature modern finishes, open-concept layouts, and private balconies perfect for unwinding after a long day.Step outside your door and into resort-style amenities — from the sparkling pool and outdoor lounge seating to the fully equipped fitness center and resident clubhouse built for connection and relaxation. Pet lovers will appreciate the community’s open green spaces and convenient on-site pet park, making Rayside as welcoming for your four-legged friends as it is for you.Whether you’re working from home, entertaining friends, or simply enjoying the everyday, Rayside Residences brings ease, comfort, and connection to every moment.

Year Built: 1983
Stories: 3
Total Units: 321
Management: Sentinel Peak Capital Partners
Phone: (469) 273-1830

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

Pepperwood Apartments

Garland

$799 - $1,744 Ins: ~$15/mo

Frequently Asked Questions

Does Rayside Residences Apartments require renters insurance?
We didn't find a public insurance requirement for Rayside Residences 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 Rayside Residences Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Rayside Residences 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 Rayside Residences Apartments?
Plan for $971 to $1,828/month all-in. That's base rent ($795 - $1,652), plus $161/month in required fees (trash, utilities, etc.), 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 Rayside Residences Apartments allow pets?
Yes, Rayside Residences Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $400 Fee. 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 Rayside Residences Apartments offer?
There are 25 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $795 - $1,652. 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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