The Orchards at Market Plaza 55+ Active Adult Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 31, 2026

Thinking about renting at The Orchards at Market Plaza 55+ Active Adult Apartments in Plano? Rent here runs $1,822 - $3,053, 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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3640 Mapleshade Ln, Plano, TX 75075

Plano

Built 1969 4 stories 180 units
4/5 ·60 reviews Apt. Finder
$1,822 - $3,053 /month

Monthly Cost Breakdown at The Orchards at Market Plaza 55+ Active Adult Apartments

The listed rent isn't the whole number. Here's what The Orchards at Market Plaza 55+ Active Adult Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,035 – $3,266
Base Rent $1,822 – $3,053
Required Monthly Fees $198
Est. Renters Insurance $15/mo

Renters Insurance at The Orchards at Market Plaza 55+ Active Adult Apartments

What Affects Your Premium Here

Every building is different. These factors specific to The Orchards at Market Plaza 55+ Active Adult Apartments can push your insurance cost up or down:

Older Building

Built in 1969 — 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

$15

Est. Monthly

$184

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 The Orchards at Market Plaza 55+ Active Adult Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$50,000 recommended

If you own less

$30,000

If you own more

$75,000

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 The Orchards at Market Plaza 55+ Active Adult 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 $15/mo

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

Compare Quotes Free · No account required

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 Plano.

On-Site Security

Package service Property manager on site

Fees Beyond Rent

These are the additional charges beyond base rent at The Orchards at Market Plaza 55+ Active Adult Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Trash Services - Doorstep

Amount for doorstep trash removal from rental home.

$25 / mo

Pest Control Services

Amount for pest control services.

$3 / mo

Cable TV and Internet Services

Amount for cable and internet services in rental home.

$95 / mo

Utility - Water/Sewer

Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services

Varies

Application Fee

Amount to process application, initiate screening, and take a rental home off the market.

$35

Community Amenity Fee

Amount for community amenity use and services.

$1,000

Security Deposit (Refundable)

Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms.

$300

Pets Fees

Pet Deposit (Refundable)

Amount for pet living in rental home. May be assessed per pet or per rental home, based on lease requirements. Refunds processed per lease terms.

$250

Pet Fee

Amount to facilitate authorized pet move-in.

$250

Pet Rent

Monthly amount for authorized pet.

$20 / mo

Parking Fees

Parking Fee

Amount for garage parking space/services. May be subject to availability.

$200 - $250 / mo

Parking Fee

Amount for covered parking space/services. May be subject to availability.

$75 / mo

Addons Fees

Guest Suite Rental

Amount to rent guest suite; per night. May be subject to availability.

$100 / occurence

Situational Fees

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within community.

$1,000 / occurence

Access Device - Replacement

Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes.

$5 - $75 / occurence

Returned Payment Fee (NSF)

Amount for returned payment.

$75 / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; excludes rent and other charges.

200% of base rent / occurence

Late Fee

Amount for paying after rent due date; per terms of lease.

9.99% of base rent / occurence

Amenities

Special Features

Building-Wide Wi-Fi Wine Fridge* BBQ Grilling Area Granite countertop Wine Storage* Built-In Wood Shelving Electronic Deadbolt Entry Full-Size Washer and Dryer with Storage Drawers On-Site Storage Lockers and Storage Rooms Available Showers with Glass Enclosures* Courtyard and Swimming Pool Plush designer carpeting in bedrooms Stainless Steel Kitchen Appliance Suite Additional Storage Glasstop Range Kitchen Pantries* Luxury Vinyl Plank Flooring Private Resident Storage Stainless Steel Large Patios or Balconies Managed Fiber Internet Smooth Glass Top Range Electronic Thermostat Faux Wood Blinds Single-Basin, Farmhouse Sink Expansive 9-Foot Ceilings Modern One and Two Bedroom Residences Spacious Walk-In Closets USB Outlets walk in closet

Community Features

Maintenance on site Trash Pickup - Door to Door Online Services Planned Social Activities Pet Play Area Pet Washing Station Wheelchair Accessible Clubhouse Lounge Courtyard Grill Zen Garden Fitness Center Pool Golf Course

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Tub/Shower Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Quartz Countertops Hardwood Floors Carpet Vinyl Flooring High Ceilings Walk-In Closets Linen Closet Double Pane Windows Window Coverings Balcony Patio Porch Yard

Pet Policy

Bringing a pet? Here's what The Orchards at Market Plaza 55+ Active Adult 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

  • $250 Deposit
  • $25 Monthly Pet Rent
  • 45 lb Weight Limit
  • 2 Pet Limit

About The Orchards at Market Plaza 55+ Active Adult Apartments

Located in the heart of the Dallas/Ft. Worth metropolitan area, The Orchards Market Plaza offers residents ages 55 and up a best-in-class apartment living experience. With spacious luxury apartments, resort-inspired amenities and an award-winning lifestyle program, you'll find all you need to live the exciting, active and independent life you've been searching for at this vibrant community.

Year Built: 1969
Stories: 4
Total Units: 180
Phone: (469) 609-1415

Other Options Nearby

Still weighing your choices? These communities are in the same part of Plano — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does The Orchards at Market Plaza 55+ Active Adult Apartments require renters insurance?
We didn't find a public insurance requirement for The Orchards at Market Plaza 55+ Active Adult 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 The Orchards at Market Plaza 55+ Active Adult Apartments?
For this zip code and building type, expect to pay around $15/month ($184/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at The Orchards at Market Plaza 55+ Active Adult Apartments?
Plan for $2,035 to $3,266/month all-in. That's base rent ($1,822 - $3,053), plus $198/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 The Orchards at Market Plaza 55+ Active Adult Apartments allow pets?
Yes, The Orchards at Market Plaza 55+ Active Adult Apartments is pet-friendly. Here are the details: Dogs Allowed. $250 Deposit. $25 Monthly Pet Rent. 45 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 The Orchards at Market Plaza 55+ Active Adult Apartments offer?
There are 3 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,822 - $3,053. 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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