35 West at Champions Circle Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 35 West at Champions Circle Apartments in North Fort Worth? This community requires renters insurance before you can sign a lease, and with rent at $1,228 – $5,028, you'll want to know exactly what that adds to your monthly bill. We estimate coverage here runs about $13/mo — below we break down the lease requirements, compare carriers, and show you how to get the best rate.

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3650 Outlet Blvd, Fort Worth, TX 76177

North Fort Worth

Built 2020 3 stories 300 units
4.4/5 ·316 reviews Google
4/5 ·141 reviews Apt. Finder
$1,228 – $5,028 /month

Monthly Cost Breakdown at 35 West at Champions Circle Apartments

The listed rent isn't the whole number. Here's what 35 West at Champions Circle Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,241 – $5,041
Base Rent $1,228 – $5,028
Est. Renters Insurance $13/mo

Renters Insurance at 35 West at Champions Circle Apartments

35 West at Champions Circle Apartments's website requires tenants to carry renters insurance. The exact coverage minimums may vary by unit type, so confirm the specifics with the leasing office when you apply.

Lease Requirements

Interested party* Add property to policy
See how your options compare. Get a quote

* 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.

In 35 West at Champions Circle Apartments's own words:

"Yes, residents must have an active renter's insurance policy at all times."

What Affects Your Premium Here

Every building is different. These factors specific to 35 West at Champions Circle 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

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 2314/100K (47% 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 35 West at Champions Circle 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 35 West at Champions Circle 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%
Sprinkler system
-5%
Alarm-ready unit
-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 $11/mo

8 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 Fort Worth.

Fort Worth property crime rate

2,314

per 100K residents

47% above U.S. avg

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

Breakdown per 100K residents

Burglary
295 / 200
Larceny / theft
1,643 / 1,172
Vehicle theft
375 / 206

U.S. average

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. 35 West at Champions Circle Apartments also has on-site security features (Controlled access, Gated, Sprinklers, Alarm ready) that insurers recognize with discounts.

Source: FBI UCR Program, Fort Worth (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 Common topic

On-Site Security

Controlled access Gated Sprinklers Alarm ready

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 35 West at Champions Circle Apartments.

FEMA Zone X (Area Of 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.

Fees Beyond Rent

These are the additional charges beyond base rent at 35 West at Champions Circle Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Pets Fees

Dog Fee

Charged per pet.

$400

Cat Fee

Charged per pet.

$400

Parking Fees

Parking Fee

Charged per vehicle.

$150 - $175 / mo

Amenities

Special Features

Audible Alarm Systems Beautifully Elevated, Airy 9'6" Ceilings Elegant Granite Countertops in Kitchen and Baths Framed Vanity Mirrors Full Size Washer and Dryer Glass Tile Kitchen Backsplash Kitchen Islands Kitchen Pantries Linen Closets Outside Storage on Balconies Oval Garden Tubs Patio and/or Balcony Pet Park Spacious Walk-In Closets Stainless Steel Appliance Package Three Story Contemporary living

Community Features

Wi-Fi Trash Pickup - Door to Door Recycling Pet Play Area Business Center Clubhouse Cabana Grill Picnic Area Fitness Center Pool Walking/Biking Trails Golf Course

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Security System Storage Space Double Vanities Tub/Shower Sprinkler System Framed Mirrors Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Warming Drawer Hardwood Floors Carpet Dining Room Walk-In Closets Linen Closet Window Coverings Large Bedrooms Balcony Patio Yard

Pet Policy

Bringing a pet? Here's what 35 West at Champions Circle 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
$400 Fee
100 lb Weight Limit
2 Pet Limit

About 35 West at Champions Circle Apartments

Year Built: 2020
Stories: 3 stories
Units: 300
Phone: (940) 242-4258

From the property listing:

Warm and welcoming. Feel right at home from the first moment you arrive at our inviting retreat. Discover a uniquely fresh take on comfort and simplicity, a harmonious blend of clean lines and organic design. We offer all the high-end extras that you expect from a contemporary community, including a resort swimming pool, sleek fitness center, and dog park. But youll find something else upscale rustic-chic charm and a true sense of homegrown coziness.Its the perfect blend of smooth modern style and authentic farmhouse appeal all in a location that feels off-the-beaten-path, but isnt.

Other Options Nearby

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

Frequently Asked Questions

Does 35 West at Champions Circle Apartments require renters insurance?
Yes — you'll need an active renters insurance policy to sign a lease at 35 West at Champions Circle Apartments. You'll need to add the property management as an interested party on your policy, which most carriers can do at no extra charge.
How much is renters insurance at 35 West at Champions Circle Apartments?
For this zip code and building type, expect to pay around $13/month ($155/year). 35 West at Champions Circle Apartments has security features that qualify for discounts — with those applied, you could pay as little as $11/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at 35 West at Champions Circle Apartments?
Plan for $1,241 to $5,041/month all-in. That's base rent ($1,228 – $5,028), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 35 West at Champions Circle Apartments allow pets?
Yes, 35 West at Champions Circle Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $400 Fee. 100 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.
How safe is the area around 35 West at Champions Circle Apartments?
Property crime in Fort Worth runs noticeably higher than the national average — 2,314 incidents per 100,000 residents versus the U.S. average of 1,578. 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 295/100K here. On the property itself, you'll find controlled access, gated, sprinklers, alarm ready — features that can qualify for premium discounts.
What floor plans does 35 West at Champions Circle Apartments offer?
There are 4 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,228 – $5,028. 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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