Renters Insurance at Oak Timbers White Settlement Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Oak Timbers White Settlement 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
Ground Level
Single-story — higher flood/water intrusion risk
Vehicle Crime
1 mention of car theft, vandalism, or break-ins in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1741/100K (10% above national average)
What You'll Likely Pay
$14
Est. Monthly
$168
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 Oak Timbers White Settlement 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
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 Oak Timbers White Settlement 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
7 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 White Settlement.
White Settlement property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in White Settlement track closely with national baselines. Oak Timbers White Settlement Apartments also has on-site security features (Controlled access, Property manager on site, Video patrol, Gated, Doorman, Sprinklers, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, White Settlement (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.
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 Oak Timbers White Settlement 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.
8401 Tumbleweed Trl, White Settlement, TX 76108
Northwest Fort Worth
Monthly Cost Breakdown at Oak Timbers White Settlement Apartments
The listed rent isn't the whole number. Here's what Oak Timbers White Settlement Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Oak Timbers White Settlement 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.
Administrative Fee
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Pet Deposit
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Covered
One assigned covered parking spot, per apartment, included i n rent amount
Guest Parking
Guests may park in uncovered parking space only.
Pet Policy
Bringing a pet? Here's what Oak Timbers White Settlement Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Oak Timbers White Settlement Apartments
From the property listing:
Oak Timbers - White Settlement is an affordable housing, Active Senior (55 and better) Community. All of our apartments are one story, four-plex buildings, one bed/one bath (663 sq ft) or two bed/one bath (836 sq ft) that include one assigned covered parking spot at no additional cost. All rent amounts also include water, trash and sewer costs.
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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