8500 Harwood Rd, North Richland Hills, TX 76180
North Richland Hills
Monthly Cost Breakdown at 8500 Harwood Apartments
The listed rent isn't the whole number. Here's what 8500 Harwood Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at 8500 Harwood Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 8500 Harwood Apartments can push your insurance cost up or down:
Older Building
Built in 1974 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Theft Reports
4 mentions in Google reviews
Vehicle Break-ins
1 mentions in Google reviews
Vehicle Crime
4 mentions of car theft, vandalism, or break-ins in 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
$16
Est. Monthly
$193
Est. Annual
$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 8500 Harwood Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
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 8500 Harwood 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 $16/mo
4 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. 8500 Harwood Apartments also has on-site security features (Property manager on site) 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.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 8500 Harwood 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 8500 Harwood Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
CAM Fee
Charged per unit.
Utility - Water
Charged per unit.
Utility - Sewer
Charged per unit.
Utility - Gas
Charged per unit.
Utility - Electric
Charged per unit.
Administrative Fee
Charged per unit.
Security Deposit - Refundable
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Parking Deposit
Charged per vehicle.
Parking Fee
Charged per vehicle.
Situational Fees
Month to Month Fees
Per month plus market rate Charged per occurrence.
Returned Payment Fee (NSF)
Charged per occurrence.
Transfer & Sublet
Charged per occurrence.
Late Fee
Charged per occurrence.
Early Lease Termination/Cancellation
One Months Rent Charged per occurrence.
Attorney Fees
Charged per occurrence.
Cleaning and Damage Fees
Charged per occurrence.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 8500 Harwood 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.
About 8500 Harwood Apartments
From the property listing:
Located in the heart of the Metroplex, 8500 Harwood offers a relaxing, charming community in a convenient yet desirable location. Experience the perfect balance of tranquil living and close proximity to major employers, shopping, and dining. Our state-of-the-art fitness center offers you the chance to workout steps from your apartment home or take a light jog through our scenic grounds. You can even escape from the heat at one of our three sparkling pools, entertain friends at our poolside grilling station, or play a game of chess or checkers while grilling out poolside.
Other Options Nearby
Still weighing your choices? These communities are in the same part of North Richland Hills — compare rent and estimated insurance cost side by side.
26 at City Point Apartments
North Richland Hills
Appian Way Apartments
North Richland Hills
Cavalli at Iron Horse Station Apartments
North Richland Hills
Davis Square Apartments
North Richland Hills
Delegate at City Point Apartments
North Richland Hills
Diamond Loch Apartment Homes
North Richland Hills
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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