Deco Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Deco Apartments in Downtown Fort Worth? Rent here runs $2,330 – $11,581, and renters insurance adds about $12/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

Get Renters Insurance for Deco Apartments

Compare renters insurance quotes in seconds

969 Commerce St, Fort Worth, TX 76102

Downtown Fort Worth

Managed by Southern Land Company Built 2024 27 stories 302 units
4.8/5 ·104 reviews Google
1 review Apt. Finder
$2,330 – $11,581 /month

Monthly Cost Breakdown at Deco Apartments

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

Total Monthly Cost $2,342 – $11,593
Base Rent $2,330 – $11,581
Est. Renters Insurance $12/mo

Renters Insurance at Deco Apartments

We found a few insurance details on Deco Apartments's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
See how your options compare. Get a quote

* 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 Deco Apartments can push your insurance cost up or down:

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 2314/100K (47% above national average)

What You'll Likely Pay

$12

Est. Monthly

$147

Est. Annual

$11

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 Deco Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

If you own more

$60,000

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 Deco 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

Controlled access
-3%
Sprinkler system
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $11/mo

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

Compare Quotes Free · No account required

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

2,314

per 100K residents

47% above U.S. avg

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

Breakdown per 100K residents

Burglary
295 / 200
Larceny / theft
1,643 / 1,172
Vehicle theft
375 / 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. Deco Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Concierge, Doorman, Package lockers, Sprinklers, Covered parking) that insurers recognize with discounts.

Source: FBI UCR Program, Fort Worth (2024-12 to 2025-11)

On-Site Security

Package service Controlled access Property manager on site Concierge Doorman Package lockers Sprinklers 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 Deco 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 Deco Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

Charged per applicant.

$75

Administrative Fee

Charged per unit.

$325

Pets Fees

Dog Fee

Charged per pet.

$400

Dog Rent

Charged per pet.

$45 / mo

Cat Fee

Charged per pet.

$400

Cat Rent

Charged per pet.

$45 / mo

Amenities

Special Features

Amenity Panoramic Views Echelon Mirror Matte Black Speakman Icon Shower Heads ** Nouveau Sky Lounge Polished Chrome Moen Fixtures Throughout Private Balconies Rich in Space and Views Access Control Home Entry Custom Modular Closet Designs Electric Vehicle Charging Stations Flex Room with Interactive Echelon Mirror Inviting Lobby Lounge with Social Bar Outdoor Dining with Gas Grills and Entertainment Soft Close Drawers with Rose Gold Pulls ** Bike Repair Shop And Storage Black and White Marble Attaché in Bath ** Cool Starlight or Warm Basswood Kitchen Cabinets Free Standing Bathtubs ** Lush Landscaping Ready to Entertain Event Space for Fee 52 inch Remote Adjustable Ceiling Fans Antique Brass West Elm Chandelier ** Bianco Carrara Quartz Countertops Heated Spa Rentable Event Space Warm Led Frontlit Bath Mirrors West Elm Chandeliers in Dining Area 180 inch Poolside Jumbotron 24th Floor Sun Facing Pool with Heated Spa Chicago Oak Wood Flooring ** Garage Parking Luxer Package Room Mobile Notifications Separate Standing Showers ** Work From Home Alcoves 24th Floor Sun Facing Pool Cool Cinnamon or Warm Ivory Vinyl Wood Flooring Freestanding Kitchen Island * Fully- Equipped Demonstration Kitchen Sophisticated Art Deco-Inspired Interiors Abundant Unobstructed Downtown Views Dedicated Dog Grooming Spa Double Balconies ** Free Weights Stainless Steel Appliance Package Video-enabled Treadmils 180" Jumbotron 25th Floor Greenspace with Dual Facing Firepit Boardrooms Configurable Walk-in Pantry ** Full-Sized in Home Washer and Dryer Fully Upgraded Appliance Package ** Mitzi Margo Pendant Lighting Poolside Bar and Lounge with Tucked Away Seating Sleek Matte Black Moen Fixtures ** Wine Fridges and Wet Bars **

Community Features

Wi-Fi Maintenance on site Online Services Pet Washing Station Car Charging Station Elevator Business Center Clubhouse Lounge Multi Use Room Roof Terrace Sundeck Cabana Courtyard Grill Picnic Area Fitness Center Hot Tub Pool Bicycle Storage

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Ceiling Fans Storage Space Tub/Shower Sprinkler System Framed Mirrors Dishwasher Disposal Ice Maker Stainless Steel Appliances Pantry Island Kitchen Kitchen Oven Range Refrigerator Quartz Countertops Hardwood Floors Vinyl Flooring Dining Room High Ceilings Walk-In Closets Double Pane Windows Window Coverings Wet Bar Floor to Ceiling Windows Balcony Patio Deck

Pet Policy

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

Cats Allowed
$45 Monthly Pet Rent
$400 Fee
2 Pet Limit

About Deco Apartments

Year Built: 2024
Stories: 27 stories
Units: 302
Management: Southern Land Company
Phone: (682) 382-9228

From the property listing:

UP TO TWO MONTHS RENT FREE - Immediate Move-Ins Available! SCHEDULE YOUR TOUR TODAY! Simple, Convenient LivingRestrictions apply. Optional fees may apply. Make your mark on Downtown Fort Worth at Deco. Our brand new one-, two-, and three-bedroom apartments and penthouses are thoughtfully affixed with deep hues and rich tones inspired by sophisticated Art Deco design. Turn neighbors into friends at Nouveau Sky Lounge and our sun-facing pool with jumbotron and cabanas or stay active in the athletic studio at our our multi-level amenities deck.

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.

Burnett Lofts

Downtown Fort Worth

$1,200 - $3,279 Ins: ~$12/mo

Cityscape Arts Apartments

Downtown Fort Worth

$1,430 - $2,185 Ins: ~$13/mo

Firestone at West 7th Apartments

Downtown Fort Worth

$1,085 - $2,283 Ins: ~$15/mo

Harden at Public Market Apartments

Downtown Fort Worth

$1,266 - $2,895 Ins: ~$12/mo

Historic Electric Building Apartments

Downtown Fort Worth

$2,550 - $5,050 Ins: ~$15/mo

Parker House Apartments

Downtown Fort Worth

$1,180 - $2,048 Ins: ~$12/mo

Frequently Asked Questions

Does Deco Apartments require renters insurance?
We found specific coverage details on Deco Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Deco Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). Deco Apartments has security features that qualify for discounts — with those applied, you could pay as little as $11/month. For context, the statewide average is $14/month, so this building is below average.
What will I actually pay per month at Deco Apartments?
Plan for $2,342 to $11,593/month all-in. That's base rent ($2,330 – $11,581), plus roughly $12/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Deco Apartments allow pets?
Yes, Deco Apartments is pet-friendly. Here are the details: Cats Allowed. $45 Monthly Pet Rent. $400 Fee. 2 Pet Limit. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around Deco Apartments?
Property crime in Fort Worth runs noticeably higher than the national average — 2,314 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 295/100K here. On the property itself, you'll find package service, controlled access, property manager on site, concierge — features that can qualify for premium discounts.
What floor plans does Deco Apartments offer?
There are 27 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $2,330 – $11,581. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

Get Renters Insurance for Deco Apartments

See how much you could save on renters insurance

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.

SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.

Your privacy

We use cookies to run this site, measure how it's used, and support our advertising. See our Privacy Policy for details.