800 Hamsted St, Fort Worth, TX 76115
Fort Worth
Monthly Cost Breakdown at Amberwood Apartments
The listed rent isn't the whole number. Here's what Amberwood Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Amberwood Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Amberwood Apartments can push your insurance cost up or down:
Older Building
Built in 1969 — older plumbing/electrical may increase risk
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
4 mentions in Google reviews
Vehicle Crime
1 mentions of car theft, vandalism, or break-ins in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2314/100K (47% above national average)
What You'll Likely Pay
$16
Est. Monthly
$193
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 Amberwood Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
Standard minimum for most lease requirements in Texas
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Amberwood 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 $15/mo
6 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 Fort Worth.
Fort Worth property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
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. Amberwood Apartments also has on-site security features (Controlled access, Property manager on site, Gated) 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.
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 Amberwood 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 Amberwood Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Administrative Fee
Charged per applicant.
Application Fee Per Applicant
Charged per applicant.
Amenities
Community Features
Floor Plan Amenities
About Amberwood Apartments
From the property listing:
Each Spacious apartment home at Amberwood has been individually renovated to include a modern look and feel with updated interior color schemes, ceiling fans throughout and appealing exterior courtyard view from private patios/balconies. Kitchens have been updated with black appliances, microwave oven and tile mosaic backsplash. Vinyl plank flooring and 2” faux wood blinds add to the modern appeal. The community is conveniently located near I35W and I20 off Hemphill St. in South Fort Worth. A short drive to Hulen mall, Chisholm Trail Parkway and Loop 820S make this a great place to call home!
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.
Alleia at Presidio Apartments
Fort Worth
Barcelona on Chisholm Trail Apartments
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Bella Via Apartments
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Canopy Homes at Ventana Apartments
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Centreport Lake Apartments
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Centreport Landing Apartments
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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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