3726 Block Dr, Irving, TX 75038
Irving
Monthly Cost Breakdown at Brookstone & Terrace Apartments
The listed rent isn't the whole number. Here's what Brookstone & Terrace Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Brookstone & Terrace Apartments
Brookstone & Terrace Apartments's website asks for at least $100,000 in liability coverage, and you'll need to add the property as an interested party on your policy. any licensed carrier that meets these minimums will be accepted.
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.
In Brookstone & Terrace Apartments's own words:
"Residents also have the option to get coverage through a different third party provider. If a resident elects to obtain coverage from another insurance carrier, they will be required to provide the declarations page for their policy, including the name of their insurance company, the policy number, the effective and expiration dates of the policy and ensure that our property and information below is listed as an Additional Interested Party on the policy:"
"If we do not receive an updated Renter's Insurance Policy, the resident will be enrolled in our Master Insurance Policy and will have a recurring monthly lease charge to cover the home only. This policy does not insure your personal property within the home."
What Affects Your Premium Here
Every building is different. These factors specific to Brookstone & Terrace Apartments can push your insurance cost up or down:
Older Building
Built in 1983 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1783/100K (13% above national average)
What You'll Likely Pay
$15
Est. Monthly
$176
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 Brookstone & Terrace 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
Lease minimum
What this community requires
We recommend
Minimum rarely covers an actual lawsuit
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Brookstone & Terrace 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
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 Irving.
Irving 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 Irving track closely with national baselines. Brookstone & Terrace Apartments also has on-site security features (Package service, Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, Irving (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 Brookstone & Terrace 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 Brookstone & Terrace Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Pets Fees
Dog Deposit
Charged per pet.
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Brookstone & Terrace Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Brookstone & Terrace Apartments
From the property listing:
We invite you to experience the Brookstone and Terrace Communities. Our quiet communities reflect a special blend of quality and amenities for a lifestyle of convenience. We feature spacious one- and two-bedroom floor plans with the features you expect. We also have an unbeatable location close to shopping, dining, and entertainment.We are located near DFW International Airport and Irving Mall, with easy access to Highway 183, Highway 161 (George Bush Turnpike), and Beltline Road. Come home to the lifestyle you home to the Brookstone and Terrace.
Other Options Nearby
Still weighing your choices? These communities are in the same part of Irving — compare rent and estimated insurance cost side by side.
2803 Riverside Apartments
Irving
3800 on Portland Apartments
Irving
Avalon Villas (LeaseCo) Apartments
Irving
Bridgeport Apartments
Irving
Creekwood Apartment Homes
Irving
Crossings at Irving Apartments
Irving
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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