Renters Insurance at Living Fully Orchard Farms Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Living Fully Orchard Farms Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
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
$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 Living Fully Orchard Farms Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
Liability
Covers accidental harm & lawsuits
Standard minimum for most lease requirements in Texas. Cats present minimal liability risk vs dogs.
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Living Fully Orchard Farms 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 $13/mo
4 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. Living Fully Orchard Farms Apartments also has on-site security features (Property manager on site, On site maintenance) 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 Living Fully Orchard Farms 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.
9004 Apple Orchard Ln, Fort Worth, TX 76140
South Fort Worth
Monthly Cost Breakdown at Living Fully Orchard Farms Apartments
The listed rent isn't the whole number. Here's what Living Fully Orchard Farms Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Living Fully Orchard Farms Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Pest Control
Charged per unit.
Building & Facility Fee
Charged per unit.
Security Deposit
Charged per unit.
Application Fee Per Applicant
Charged per unit.
Administrative Fee
Charged per unit.
Pets Fees
Pet Fee
Max of 2. Charged per unit.
Monthly Pet Fee
Max of 2. Charged per pet.
Pet Policy
Bringing a pet? Here's what Living Fully Orchard Farms Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Living Fully Orchard Farms Apartments
From the property listing:
Discover Living Fully Orchard Farms, a brand new community of single-family rental homes thoughtfully designed for those who value space, privacy, and ease. Proudly managed by Dream Live Prosper Communities, this collection of 2-, 3-, and 4-bedroom homes redefines rental living, offering the comfort and independence of a home with the convenience of professional management. Each residence features open-concept layouts, private entrances, attached garages, and premium finishes including granite countertops, stainless steel appliances, and designer cabinetry.
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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