Northlake, TX

Jefferson Northlake Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Jefferson Northlake Apartments in Northlake? Rent here runs $1,733 – $5,980, 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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4700 State Highway 114, Northlake, TX 76262

Northlake

Managed by RPM Built 2024 4 stories 360 units
4.7/5 ·84 reviews Google
1 review Apt. Finder
$1,733 – $5,980 /month

Monthly Cost Breakdown at Jefferson Northlake Apartments

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

Total Monthly Cost $2,029 – $6,276
Base Rent $1,733 – $5,980
Required Monthly Fees $284
Est. Renters Insurance $12/mo

Renters Insurance at Jefferson Northlake Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Jefferson Northlake 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

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 1286/100K (19% below 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 Jefferson Northlake Apartments 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

Dog-friendly community — higher liability recommended for pet-related incidents

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Jefferson Northlake 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%
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

7 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 Northlake.

Northlake property crime rate

1,286

per 100K residents

19% below U.S. avg

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

Breakdown per 100K residents

Burglary
167 / 200
Larceny / theft
898 / 1,172
Vehicle theft
220 / 206

U.S. average

Near-average property crime means insurance premiums in Northlake track closely with national baselines. Jefferson Northlake Apartments also has on-site security features (Package service, Controlled access, Gated, Sprinklers, Covered parking, Perimeter fencing) that insurers recognize with discounts.

Source: FBI UCR Program, Northlake (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
Noise Common topic

On-Site Security

Package service Controlled access Gated Sprinklers Covered parking Perimeter fencing

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Jefferson Northlake 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 Jefferson Northlake Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Trash Admin

Administrative costs for managing trash service billing, coordination, and related expenses for your apartment. Charged per unit.

$3 / mo

Valet Trash

Charged per unit.

$30 / mo

Trash Services - Doorstep

Fee for doorstep trash and recycle pickup service. Charged per unit.

$30 / mo

Package Management

Handling and storage of resident deliveries. Charged per unit.

$30 / mo

Pest Control

Charged per unit.

$6 / mo

Pest Control Services

Regular pest prevention and treatment services. Charged per unit.

$6 / mo

Amenity Fee

Charged per unit.

$85 / mo

Community Amenity Fee

Fee for access to shared resident amenities and facilities. Charged per unit.

$85 / mo

Stormwater / Drainage Admin Fee

Management of community stormwater drainage and runoff infrastructure Charged per unit.

Varies / mo

Utility Water / Wastewater Admin Fee

Covers administrative costs associated with billing and managing water utility services. Charged per unit.

Varies / mo

Cable TV / Internet Services

Community-provided cable TV and internet services Charged per unit.

Varies / mo

Admin Fee

Fee to process rental application and background check Charged per unit.

$200

Application Fee Per Applicant

Charged per applicant.

$75

Application Fee

Administrative processing fee to cover lease preparation. Charged per applicant.

$75

Administrative Fee

Charged per unit.

$200

Package Management Setup

Charge for establishing resident access to the package management system. Charged per unit.

$30

Pets Fees

Dog Fee

Charged per pet.

$400

Dog Rent

Charged per pet.

$25 / mo

Cat Fee

Charged per pet.

$400

Cat Rent

Charged per pet.

$25 / mo

Pet Fee

Fee for allowing pets in the home. Charged per pet.

$400

Pet / Animal Lease Violation

Fee issued for unauthorized pets or violations of pet policyCharged per pet.

Varies

Pet Fee

Pet Fee Charged per pet.

Varies

Pet Rent

monthly charge for keeping a pet in the home. Charged per pet.

$25 / mo

Parking Fees

Parking Fee

Charged per vehicle.

$175 / mo

Parking - Garage

Charge for access to a garage space. Charged per vehicle.

$175 / mo

Addons Fees

Amenity / Clubhouse Rental Deposit (Refundable)

Refundable deposit for potential damages during a clubhouse rental. Charged per unit.

$250 / occurence

Amenity / Clubhouse Rental Fee

Fee for reserving the community clubhouse for events or gatherings. Charged per unit.

$250 / occurence

Washer & Dryer Rental

In-home washer and dryer rental and maintenance. Charged perunit.

Varies / mo

Storage Space Rental

Fee for an on-site storage unit. Charged per unit.

Varies one-time

Parking EV Charging

Fee for on-site electric vehicle charging access. Charged per unit.

Varies one-time

Situational Fees

Intra-Community Transfer Fee

Charge for transferring to another home within the same community. Charged per unit.

$500

Security Deposit (Refundable)

Refundable deposit covering potential damages and unpaid rent per lease terms. Charged per unit.

$500 - $1,250

Security Deposit Alternative

Alternative to a standard security deposit typically issued through a surety bond. Charged per unit.

$20 - $35 / mo

Access Device Replacement

Charge to replace lost or damaged key, fob, or remote. Charged per unit.

$100 / occurence

Renters Liability Non-Compliance

Fee for not maintaining required renters liability insurancecoverage. Charged per unit.

$25 / occurence

NSF Tenant Fee

NSF Tenant Fee Charged per unit.

$30 / occurence

Late Fee (Percentage)

Calculated as a percentage of the base rent amount. Charged per unit.

10% of base rent / occurence

Renter Liability - Third Party

Expense related to required liability coverage through a third-party provider. Charged per unit.

Varies / mo

Utility - Electric

Cost of electricity usage for your apartment. Charged per unit.

Varies / mo

Utility - Stormwater / Drainage

Local stormwater management and drainage system fee. Chargedper unit.

Varies / mo

Utility - Water / Sewer

Water usage and wastewater removal costs. Charged per unit.

Varies / mo

Utility - Non-transferred Utility Fee

Charge for utility costs not moved to residents name. Charged per unit.

Varies / occurrence

Concession Repayment

Tenant repayment of rent discounts if lease terms are not met. Charged per unit.

Varies / occurrence

Legal / Eviction Fee

Costs associated with an eviction proceeding. Charged per unit.

Varies / occurrence

Reletting Fee

An expense associated with re-renting a unit after early lease termination. Charged per unit.

Varies / occurrence

Lease Violation

Fee for non-compliance with lease terms or community policies. Charged per unit.

Varies / occurrence

Early Lease Termination / Buyout

Buyout for ending lease agreement before its scheduled end date. Charged per unit.

Varies / occurrence

Utility - Vacant Cost Recovery

Utility costs incurred while the unit was unoccupied. Charged per unit.

Varies one-time

Deposit (Nonrefundable)

a screening-based, non-refundable deposit to address damagesor unpaid rent per lease agreement. Charged per unit.

Varies one-time

Insufficient Move-out Notice Fee

Charge for not providing proper advance notice before move-out. Charged per unit.

Varies one-time

Amenities

Special Features

Linen closets Butterfly MX Coat Closets * Matrix fitness center equipment Spacious closets Co-working space Community wide WIFI through Whitesky Private patios & balconies Private storages available to rent * Designer color schemes Luxer One Lockers Private fenced backyards * Private garages available to rent * Resident Referral Program

Community Features

Community-Wide WiFi Wi-Fi 24 Hour Access Trash Pickup - Door to Door Online Services Pet Play Area Car Charging Station Key Fob Entry Business Center Clubhouse Lounge Storage Space Conference Rooms Cabana Courtyard Grill Picnic Area Fitness Center Pool

Floor Plan Amenities

Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Double Vanities Tub/Shower Sprinkler System Framed Mirrors Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Hardwood Floors Carpet Vinyl Flooring Dining Room Built-In Bookshelves Walk-In Closets Linen Closet Window Coverings Large Bedrooms Balcony Patio Yard

Pet Policy

Bringing a pet? Here's what Jefferson Northlake Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.

Cats and Dogs Allowed
$25 Monthly Pet Rent
$400 Fee
2 Pet Limit

About Jefferson Northlake Apartments

Year Built: 2024
Stories: 4 stories
Units: 360
Management: RPM
Phone: (940) 573-7223

From the property listing:

Welcome to Jefferson Northlake Apartments, where Elevated Living meets the allure of brand new luxury apartments. NOW LEASING, our stunning homes redefine the essence of modern living in Northlake, TX. Apartment homes feel better when they're brand new, and ours take it to the next level, boasting an array of exceptional amenities designed to enrich your lifestyle.

Other Options Nearby

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

Frequently Asked Questions

Does Jefferson Northlake Apartments require renters insurance?
We didn't find a public insurance requirement for Jefferson Northlake Apartments, 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 Jefferson Northlake Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). Jefferson Northlake 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 Jefferson Northlake Apartments?
Plan for $2,029 to $6,276/month all-in. That's base rent ($1,733 – $5,980), plus $284/month in required fees (trash, utilities, etc.), 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 Jefferson Northlake Apartments allow pets?
Yes, Jefferson Northlake Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $25 Monthly Pet Rent. $400 Fee. 2 Pet Limit. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
How safe is the area around Jefferson Northlake Apartments?
Property crime in Northlake sits near the national average — 1,286 per 100,000 residents versus 1,578 nationwide. 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 167/100K here. On the property itself, you'll find package service, controlled access, gated, sprinklers — features that can qualify for premium discounts.
What floor plans does Jefferson Northlake Apartments offer?
There are 11 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, studio layouts. Rent ranges from $1,733 – $5,980. 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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