Hughes House Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Hughes House Apartments in Stop Six? Rent here runs $1,110 – $1,325, and renters insurance adds about $12/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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4830 E Rosedale St, Fort Worth, TX 76105

Stop Six

Built 2025 4 stories 162 units
5/5 ·20 reviews Google
Apt. Finder
$1,110 – $1,325 /month

Monthly Cost Breakdown at Hughes House Apartments

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

Total Monthly Cost $1,122 – $1,337
Base Rent $1,110 – $1,325
Est. Renters Insurance $12/mo

Renters Insurance at Hughes House Apartments

We found a few insurance details on Hughes House 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 Hughes House Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

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 Hughes House Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

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 Hughes House 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

Gated community
-5%
Controlled access
-3%
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.

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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 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. Hughes House Apartments also has on-site security features (Package service, Property manager on site, Gated, Controlled access) that insurers recognize with discounts.

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

On-Site Security

Package service Property manager on site Gated Controlled access

Flood Risk

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

Amenities

Special Features

Dedicated laundry closet with overhead shelving Key Fob Access Intercom System In-unit Samsung front-load washer and dryer Social Services Office Bicycle Parking Smoke Free Living Stainless steel appliance suite

Community Features

Public Transportation Elevator Business Center Clubhouse Fitness Center Playground

Floor Plan Amenities

Smoke Free Intercom Stainless Steel Appliances Microwave Office Recreation Room

Pet Policy

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

No Pets Allowed

About Hughes House Apartments

Year Built: 2025
Stories: 4 stories
Units: 162
Phone: (682) 732-9141

From the property listing:

Welcome to Hughes House, the newest apartment community in Fort Worths historic Stop Six neighborhood. As part of a six-phase neighborhood revitalization, Hughes House offers brand-new oneand two-bedroom apartments for rent with modern finishes and top-tier amenities. Our thoughtfully designed apartments and prime Fort Worth location come together for an exceptional lifestyle. Nestled along Amanda Avenues thriving commercial corridor, Hughes House offers spacious apartment homes with elevated interior finishes tailored for modern living.

Other Options Nearby

Still weighing your choices? Other communities in Fort Worth — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Hughes House Apartments require renters insurance?
We found specific coverage details on Hughes House 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 Hughes House Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). Hughes House 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 Hughes House Apartments?
Plan for $1,122 to $1,337/month all-in. That's base rent ($1,110 – $1,325), 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 Hughes House Apartments allow pets?
No, Hughes House Apartments does not allow pets.
How safe is the area around Hughes House 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, property manager on site, gated, controlled access — features that can qualify for premium discounts.
What floor plans does Hughes House Apartments offer?
There are 4 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,110 – $1,325. 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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