Renters Insurance at 26 at City Point Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 26 at City Point Apartments 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
Water/Leak Issues
9 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1814/100K (15% above national average)
What You'll Likely Pay
$13
Est. Monthly
$155
Est. Annual
$11
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 26 at City Point Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 26 at City Point 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 $11/mo
7 discounts may apply here. Real quotes show your actual price — estimates can't.
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 North Richland Hills.
North Richland Hills property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in North Richland Hills track closely with national baselines. 26 at City Point Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Doorman, Sprinklers) that insurers recognize with discounts.
Source: FBI UCR Program, North Richland Hills (2024-12 to 2025-11)
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
“My work orders are fixed promptly and without any further issues!” — Google reviewer
Management
Consistently positive in reviews
“Thank you for going above and beyond!” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Renters here aren't dealing with the rarer natural-disaster exclusions — flood risk is low at the address and earthquakes are uncommon. The everyday risk in Tarrant County is severe weather: an average of 19 severe weather events a year per NOAA. Wind, hail, and storm-driven damage to personal property are covered by a typical renters policy, which is what makes the coverage worth carrying.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
FEMA Zone X (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
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
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 19 severe-weather events a year in Tarrant County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Tarrant 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.
4201 City Pt, North Richland Hills, TX 76180
North Richland Hills
Monthly Cost Breakdown at 26 at City Point Apartments
The listed rent isn't the whole number. Here's what 26 at City Point Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at 26 at City Point Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Trash Admin Fee
Monthly utility trash admin fee. Charged per unit.
Utility - Billing Admin Fee
Monthly utility billing management fee. Charged per unit.
Utility - Valet Trash
Fee for valet trash service (doorstep pickup) Charged per un it.
Pest Control
Pest prevention and treatment service fee. Charged per unit.
Utility - Electric
Monthly electric charges. Charged per unit.
Utility - Water
Monthly community water services charge. Charged per unit.
Non-refundable Administrative Fee
One-time processing fee for administrative costs. Charged pe r unit.
Application Fee Per Applicant
Charged per applicant.
Application Fee
Screening and processing fee (per applicant). Charged per ap plicant.
Administrative Fee
Charged per unit.
Security Deposit
Refundable deposit for damages or lease obligations. Charged per unit.
Pets Fees
Non-Refundable Pet Fee (One Pet)
We are proud to be deposit-free and pet-friendly! Add up to two furry friends to your North Richland Hills home. Pay a one-time $350 pet fee for one pup and only $250 to add a second.
Non-Refundable Pet Fee (Two Pets)
One-time pet fee for two approved pets. Charged per pet.
Parking Fees
Detached Garage (1 Car)
Monthly detached garage (1 Car) fee. Contact office for deta ils. Charged per vehicle.
Attached Garage (1 Car)
Monthly Attached Garage (1 Car) fee. Contact office for deta ils. Charged per vehicle.
Parking - Carport
Monthly carport fee. Contact office for details. Charged per vehicle.
Optional Add-On Fees
Renters Insurance (Purchase Assurant)
Monthly resident insurance through Assurant. Charged per uni t.
Work From Home Space
Monthly work from home space fee. Contact office for details Charged per unit.
Clubhouse Rental Deposit
Clubhouse rental deposit. Contact office for details. Charge d per unit.
Clubhouse Rental Charge
Clubhouse reservations. Contact office for details. Charged per unit.
Situational Fees
Utility - Final Move-Out Billing Fee
Move-out fee for closing utility billing account Charged per unit.
NSF Fee
Returned or declined payment fee. Charged per unit.
Renters Insurance - Liability Only, Non Compliance
Fee for non-compliance with liability requirement. Charged p er unit.
On-Site Transfer Fee
Apartment transfer fee. Charged per unit.
Utility - Vacant Cost Recovery
Utility recovery fee for an occupied unit Charged per unit.
Access/Lock Change Charge
Fee for access/lock change Charged per unit.
Late Fee
Late payment fee. Charged per unit.
Early Termination Fee
Fee to terminate lease early. Charged per unit.
Reletting Fee
Apartment reletting cost. Charged per unit.
Court Filings
Costs for legal filing and processing. Charged per unit.
Pet Policy
Bringing a pet? Here's what 26 at City Point Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About 26 at City Point Apartments
From the property listing:
Find resort-style luxury living for lease in North Richland Hill's new apartment community, 26 at City Point. Your flexible lease secures the one- or two-bedroom apartment of your dreams plus all-inclusive access to our full suite of amenities, such as our beautiful pool, business center with individual work hubs, rec and gaming rooms, 24-hour fitness center, and more. Our professional team is on-site seven days a week to make sure you never have to so much as change a light bulb.We welcome you to explore our apartments in North Richland Hills today.
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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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