Cedar Garden Townhomes: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Cedar Garden Townhomes in Arlington? Rent here runs $1,770 – $3,000, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1277 Cedarland Plaza Dr, Arlington, TX 76011

Arlington

Built 1984 1 story 69 units
4/5 ·48 reviews Google
2 reviews Apt. Finder
$1,770 – $3,000 /month

Monthly Cost Breakdown at Cedar Garden Townhomes

The listed rent isn't the whole number. Here's what Cedar Garden Townhomes actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,785 – $3,015
Base Rent $1,770 – $3,000
Est. Renters Insurance $15/mo

Renters Insurance at Cedar Garden Townhomes

What Affects Your Premium Here

Every building is different. These factors specific to Cedar Garden Townhomes can push your insurance cost up or down:

Older Building

Built in 1984 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

Ground Level

Single-story — higher flood/water intrusion risk

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: 2057/100K (30% 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 Cedar Garden Townhomes based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Cedar Garden Townhomes:

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

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $15/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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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 Arlington.

Arlington property crime rate

2,057

per 100K residents

30% above U.S. avg

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

Breakdown per 100K residents

Burglary
211 / 200
Larceny / theft
1,607 / 1,172
Vehicle theft
239 / 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. Cedar Garden Townhomes also has on-site security features (Property manager on site, Covered parking) that insurers recognize with discounts.

Source: FBI UCR Program, Arlington (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
Vehicle Crime Mentioned

On-Site Security

Property manager on site Covered parking

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Cedar Garden Townhomes.

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 Cedar Garden Townhomes. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

$45

Pets Fees

One-Time Pet Fee

Charged per pet.

$150

Pet Deposit

Charged per pet.

$350

Parking Fees

Garage Lot

2 car attached garage and additional guest parking

Amenities

Special Features

Utilities Not Included

Community Features

Maintenance on site 24 Hour Access Furnished Units Available Trash Pickup - Curbside Online Services Courtyard Pool

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Double Vanities Tub/Shower Fireplace Intercom Dishwasher Disposal Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Freezer Hardwood Floors Tile Floors Dining Room Skylights Walk-In Closets Furnished Window Coverings Large Bedrooms Patio Porch Yard Lawn

Pet Policy

Bringing a pet? Here's what Cedar Garden Townhomes allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed
$350 Deposit
$150 Fee
35 lb Weight Limit

About Cedar Garden Townhomes

Year Built: 1984
Stories: 1 story
Units: 69
Phone: (682) 297-4601

From the property listing:

UNDER NEW MANAGEMENT Welcome to Cedar Garden Townhomes, where quality and comfort meet. We offer both, short term furnished townhomes and beautiful homes ready for you to move your belongings in. Enjoy such amenities as a swimming pool and private yards. Our on-site management will meet your needs in a friendly and efficient manner. Our residents also enjoy the convenience of being so close to I30, Six Flags, Globe Life Park, Lone Star Park, and AT&T Stadium (home of the Dallas Cowboys)! Let Cedar Garden Townhomes be your new home.

Other Options Nearby

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

Frequently Asked Questions

Does Cedar Garden Townhomes require renters insurance?
We didn't find a public insurance requirement for Cedar Garden Townhomes, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at Cedar Garden Townhomes?
For this zip code and building type, expect to pay around $15/month ($176/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Cedar Garden Townhomes?
Plan for $1,785 to $3,015/month all-in. That's base rent ($1,770 – $3,000), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Cedar Garden Townhomes allow pets?
Yes, Cedar Garden Townhomes is pet-friendly. Here are the details: Cats Allowed. $350 Deposit. $150 Fee. 35 lb Weight Limit. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around Cedar Garden Townhomes?
Property crime in Arlington runs noticeably higher than the national average — 2,057 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 211/100K here. On the property itself, you'll find property manager on site, covered parking — features that can qualify for premium discounts.
What floor plans does Cedar Garden Townhomes offer?
There are 3 floor plans to choose from, spanning 2-bedroom layouts. Rent ranges from $1,770 – $3,000. 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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