Renters Insurance at The Collection Townhomes
We found a few insurance details on the The Collection Townhomes website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to The Collection Townhomes can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
Theft Reports
3 mentions in Google reviews
Water/Leak Issues
3 mentions in Google reviews
Package Theft
1 mention in Google reviews
NeighborhoodScout
Safer than 100% of US cities
What You'll Likely Pay
$14
Est. Monthly
$168
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 The Collection Townhomes based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
Liability
Covers accidental harm & lawsuits
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 The Collection Townhomes:
| 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 $13/mo
6 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.
What residents talk about most
Maintenance
Consistently positive in reviews
“The maintenance team has been responsive and timely, which I do appreciate.” — Google reviewer
Security
A recurring concern in reviews
“Additionally, the area does not feel safe.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The natural-hazard exposure at The Collection Townhomes is mild on every dimension a renter typically cares about. FEMA's flood zone for this address is low-risk, USGS rates seismic activity as low, and severe-weather records for Dallas County are unremarkable. Standard renters insurance handles the everyday claims (theft, fire, wind, water damage from leaks) without any add-ons. Specifics below for the curious.
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
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
Severe-weather activity in Dallas County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for Dallas County. Counts reflect reported events, not damage amounts.
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
2206 Moser Ave, Dallas, TX 75206
East Dallas
Monthly Cost Breakdown at The Collection Townhomes
The listed rent isn't the whole number. Here's what The Collection Townhomes actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Collection Townhomes. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Community Fee
Application Fee Per Applicant
Additional Security Deposit - Refundable
Administrative Fee
Pets Fees
One-Time Pet Fee
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around The Collection Townhomes.
Grocery
- Trader Joe's 4.7
- Sprouts Farmers Market 4.4
- Whole Foods Market 4.5
Pharmacy
- CVS Pharmacy 3.8
- Walgreens Pharmacy 4.1
- Acorn Pharmacy 3.4
Hospital
- Lakewood Emergency Room 4.7
- Highland Park Emergency Room 4.6
- Baylor University Medical Center, part of Baylor Scott & White Health Emergency Room 3.6
Gym
- Recess Fitness Club 4.7
- PARADIGM Gym 24hr 4.8
- Trophy Fitness Mockingbird 4.8
Restaurant
- LOCAL Public Eatery Henderson 4.9
- Gemma 4.7
- Quarter Acre 4.8
Park
- Exall Recreation Center 4.6
- Exall Park 4.6
- City Of Dallas Park and Recreation 4.2
Bank
- UMB Bank (with drive-thru services) 4.6
- Bank of Texas 4.3
- Bank of Texas 4.2
Gas
- Exxon 4.3
- Sunoco 4.2
- Exxon 3.7
Pet Policy
Bringing a pet? Here's what The Collection Townhomes 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.
About The Collection Townhomes
From the property listing:
Welcome Home to The Collection Townhomes!
Frequently Asked Questions
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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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