2803 Riverside Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 2803 Riverside Apartments in Irving? Rent here runs $1,106 – $4,637, 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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2803 Riverside Pky, Grand Prairie, TX 75050

Irving

Managed by Atlantic Pacific Companies Built 1999 2 stories 436 units
3.2/5 ·205 reviews Google
5/5 ·62 reviews Apt. Finder
$1,106 – $4,637 /month

Monthly Cost Breakdown at 2803 Riverside Apartments

The listed rent isn't the whole number. Here's what 2803 Riverside Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,121 – $4,652
Base Rent $1,106 – $4,637
Est. Renters Insurance $15/mo

Renters Insurance at 2803 Riverside Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 2803 Riverside 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

Dog-Friendly

Dogs allowed — consider higher liability coverage

Water/Leak Issues

3 mentions in Google reviews

Pest Issues

4 mentions in Google reviews

Water Intrusion Issues

6 mentions of ceiling leaks, sewage, or pipe issues in reviews

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 1378/100K (13% below national average)

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 2803 Riverside Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

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 2803 Riverside 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

Gated community
-5%
Controlled access
-3%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $14/mo

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

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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 Grand Prairie.

Grand Prairie property crime rate

1,378

per 100K residents

13% below U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
125 / 200
Larceny / theft
1,055 / 1,172
Vehicle theft
198 / 206

U.S. average

Near-average property crime means insurance premiums in Grand Prairie track closely with national baselines. 2803 Riverside Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Covered parking, Perimeter fencing) that insurers recognize with discounts.

Source: FBI UCR Program, Grand Prairie (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.

Maintenance Issues Frequent topic
16×
Water Intrusion (pipes, sewage) Common topic
6×
Pest Issues Common topic
4×
Water Damage Common topic
3×

On-Site Security

Package service Controlled access Property manager on site Gated Covered parking Perimeter fencing

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 2803 Riverside Apartments.

FEMA Zone X (0.2 Pct Annual Chance 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.

Fees Beyond Rent

These are the additional charges beyond base rent at 2803 Riverside Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

Charged per applicant.

$90

Good faith deposit

Charged per unit.

$100

Administrative Fee

Charged per unit.

$150

Amenities

Special Features

Scenic Walking or Running Trails On-Site Package Kiosk with 24-Hour Access Undermount Sinks Upgraded Cabinetry Complimentary Poolside Wi-Fi Outdoor Summer Kitchen with Grilling Station Spacious Closets Outdoor dining areas and BBQ grills Outdoor Strength Training Area and Equipment Controlled Access Gates Private Paw Park with Agility Equipment

Community Features

Wi-Fi Maintenance on site 24 Hour Access Trash Pickup - Curbside Trash Pickup - Door to Door Online Services Planned Social Activities Pet Play Area Business Center Clubhouse Lounge Fenced Lot Grill Picnic Area Waterfront Pond Fitness Center Pool Playground Racquetball Court Tennis Court Volleyball Court Walking/Biking Trails Gameroom

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Security System Storage Space Double Vanities Tub/Shower Fireplace Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Hardwood Floors Carpet Dining Room High Ceilings Office Crown Molding Vaulted Ceiling Walk-In Closets Linen Closet Window Coverings Large Bedrooms Balcony Patio Porch

Pet Policy

Bringing a pet? Here's what 2803 Riverside 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.

Cats and Dogs Allowed

About 2803 Riverside Apartments

Year Built: 1999
Stories: 2 stories
Units: 436
Management: Atlantic Pacific Companies
Phone: (682) 688-3578

From the property listing:

Welcome to 2803 Riverside Spacious when you need it, cozy when it countsthis best describes 2803 Riverside Apartments, where modern living meets a vibrant lifestyle. Come home to the gentle sound of water lapping against the edges of two resort-inspired pools, where the sun glistens off cool blue water and inviting cabanas beckon you to unwind. At our apartments in Grand Prairie, weekends feel like a vacation with media and coffee stations, a lovely fireside feature, and barbecue grills right on site.

Other Options Nearby

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

3800 on Portland Apartments

Irving

$844 - $2,059 Ins: ~$16/mo

Avalon Villas (LeaseCo) Apartments

Irving

$1,050 - $1,775 Ins: ~$15/mo

Bridgeport Apartments

Irving

$879 - $1,660 Ins: ~$15/mo

Brookstone & Terrace Apartments

Irving

$846 - $1,898 Ins: ~$15/mo

Creekwood Apartment Homes

Irving

$1,121 - $1,711 Ins: ~$15/mo

Crossings at Irving Apartments

Irving

$1,086 - $1,632 Ins: ~$15/mo

Frequently Asked Questions

Does 2803 Riverside Apartments require renters insurance?
We didn't find a public insurance requirement for 2803 Riverside 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 2803 Riverside Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). 2803 Riverside 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 2803 Riverside Apartments?
Plan for $1,121 to $4,652/month all-in. That's base rent ($1,106 – $4,637), 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 2803 Riverside Apartments allow pets?
Yes, 2803 Riverside Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. 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.
How safe is the area around 2803 Riverside Apartments?
Property crime in Grand Prairie sits near the national average — 1,378 per 100,000 residents versus 1,578 nationwide. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 125/100K here. On the property itself, you'll find package service, controlled access, property manager on site, gated — features that can qualify for premium discounts.
What floor plans does 2803 Riverside Apartments offer?
There are 11 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,106 – $4,637. 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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