Renters Insurance at Gala at Ridgmar Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Gala at Ridgmar 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
$13
Est. Monthly
$155
Est. Annual
$12
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 Gala at Ridgmar 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 Gala at Ridgmar 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 $12/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. Gala at Ridgmar Apartments also has on-site security features (Controlled access, Sprinklers) that insurers recognize with discounts.
Source: FBI UCR Program, Fort Worth (2024-12 to 2025-11)
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 Gala at Ridgmar 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.
2201 Lands End Boulevard, Fort Worth, TX 76116
Northwest Fort Worth
Monthly Cost Breakdown at Gala at Ridgmar Apartments
The listed rent isn't the whole number. Here's what Gala at Ridgmar Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Gala at Ridgmar Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Security Deposit - Non-Refundable
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Pet Policy
Bringing a pet? Here's what Gala at Ridgmar Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Gala at Ridgmar Apartments
From the property listing:
Beautiful income-restricted senior living community! Don't settle for less when you can have it all at Gala at Ridgmar. Our 55+ apartments for rent in Fort Worth, TX, offer budget-friendly rates, modern amenities, and a convenient location. Whether you want to relax, work out, or explore your surroundings, you'll find everything you need and more within our community. Beyond our welcoming environment, you'll have easy access to public transportation and a diverse range of shopping, dining, and recreational options.
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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