605 Del Paso St, Euless, TX 76040
Stonewood/Stone Creek
Monthly Cost Breakdown at Bear Creek Apartments
The listed rent isn't the whole number. Here's what Bear Creek Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Bear Creek Apartments
We found a few insurance details on Bear Creek Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* 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.
What Affects Your Premium Here
Every building is different. These factors specific to Bear Creek Apartments can push your insurance cost up or down:
Older Building
Built in 1971 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
FBI UCR
Property crime rate: 1781/100K (13% 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 Bear Creek 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
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 Bear Creek 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
5 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 Euless.
Euless 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 Euless track closely with national baselines. Bear Creek Apartments also has on-site security features (Gated) that insurers recognize with discounts.
Source: FBI UCR Program, Euless (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 Bear Creek Apartments.
FEMA Zone AE — High-risk flood area with base flood elevation
Flood insurance strongly recommended — standard renters policies exclude flood damage.
What to know about flood insurance as a renter:
- Your landlord's building policy does not cover your belongings
- NFIP (National Flood Insurance Program) offers renters policies starting around $99/year
- Private carriers (Neptune, Wright Flood) may offer lower rates
- Most flood claims in this zone are for personal property, not structural damage
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 Bear Creek Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee
Application Fee- Married Couple Charged per applicant.
Administrative Fee
Administrative Fee Charged per unit.
Risk Fee
Risk Fee Charged per unit.
Pets Fees
Pet Fees Or Charges
Non Refundable Pet Fee Charged per pet.
Addons Fees
Damage Charges
Toilet Tank Replacement Charged per unit.
Cleaning
Shampoo Carpet ($60-$75) Charged per unit.
Situational Fees
Transfer Fee
Transfer Fee Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Bear Creek 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 Bear Creek Apartments
From the property listing:
Enriched living awaits you at Bear Creek Apartments in Euless, TX. Searching for a home that aligns with your lifestyle? Bear Creek has what you’ve been looking for. Located right next to J.A. Carr Park, Bear Creek’s updated apartments have so much to offer, starting with an array of convenient amenities just steps from your new front door. Ditch the laundromat with convenient on-site laundry facilities. Outside, neighbors can experience the charm of an afternoon swim in the sparkling pool, or mingle with other dog owners around one of our thoughtfully placed pet waste stations.
Other Options Nearby
Still weighing your choices? These communities are in the same part of Euless — compare rent and estimated insurance cost side by side.
Infinity on the Landing Apartments
Stonewood/Stone Creek
Spring Valley Apartments
Stonewood/Stone Creek
Station 3700 Apartments
Stonewood/Stone Creek
The Colton Apartments
Stonewood/Stone Creek
The Crawford Apartments
Stonewood/Stone Creek
Wood Hollow Apartments
Stonewood/Stone Creek
Frequently Asked Questions
Does Bear Creek Apartments require renters insurance?
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What will I actually pay per month at Bear Creek Apartments?
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Does Bear Creek Apartments need flood insurance?
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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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