Oxenfree West Oak Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Oxenfree West Oak Apartments in Northwest Fort Worth? Rent here runs $2,024 – $2,940, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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9800 Plainfield Dr, Fort Worth, TX 76108

Northwest Fort Worth

Managed by Core Spaces Built 2025 2 stories 323 units
4.9/5 ·36 reviews Google
Apt. Finder
$2,024 – $2,940 /month

Monthly Cost Breakdown at Oxenfree West Oak Apartments

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

Total Monthly Cost $2,037 – $2,953
Base Rent $2,024 – $2,940
Est. Renters Insurance $13/mo

Renters Insurance at Oxenfree West Oak Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Oxenfree West Oak Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Dog-Friendly

Dogs allowed — consider higher liability coverage

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 Oxenfree West Oak Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

If you own more

$60,000

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 Oxenfree West Oak 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%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $12/mo

5 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. Oxenfree West Oak Apartments also has on-site security features (Property manager on site, Gated, Covered parking, On site maintenance, Perimeter fencing) that insurers recognize with discounts.

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

On-Site Security

Property manager on site Gated Covered parking On site maintenance 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 Oxenfree West Oak 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 Oxenfree West Oak Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$300

Monthly Pet Fee

Max of 2. Charged per pet.

$30 / mo

Amenities

Special Features

24-Hour maintenance Barbecue Conference Center DisabilityAccess Gazebo Multi-purpose court Online maintenance portal Online rent payment Other Party Room Pet park Shuffleboard

Community Features

24 Hour Access Business Center Clubhouse Lounge Fitness Center Pool Playground Basketball Court

Floor Plan Amenities

Ceiling Fans Lawn Garden

Pet Policy

Bringing a pet? Here's what Oxenfree West Oak 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, Dogs, and Other Pets Allowed
$30 Monthly Pet Rent
$300 Fee
2 Pet Limit

About Oxenfree West Oak Apartments

Year Built: 2025
Stories: 2 stories
Units: 323
Management: Core Spaces
Phone: (888) 468-1108

From the property listing:

We're officially open and touring for immediate move-ins! Welcome to Oxenfree West Oak, a new for-rent single family and townhome community in Ft. Worth, Texas. Our two-, three-, and four- bedroom single family homes and townhomes offer private fenced in yards, attached garages, and a maintenance free, turn-key lifestyle. Experience leveled-up living like you've never seen before. Our indoor and outdoor amenity spaces are designed to bring the community together and make life more fun and fulfilling.

Other Options Nearby

Still weighing your choices? These communities are in the same part of Fort Worth — compare rent and estimated insurance cost side by side.

10105 Cougar Tr Rental

Northwest Fort Worth

$2,540 Ins: ~$14/mo

30 West Luxury Rental Homes

Northwest Fort Worth

$2,199 - $2,399 Ins: ~$13/mo

Aden Crest Ft. Worth Apartments

Northwest Fort Worth

$905 - $1,192 Ins: ~$16/mo

Alta Marine Creek Apartments

Northwest Fort Worth

$1,332 - $2,349 Ins: ~$13/mo

Alton Park Apartments

Northwest Fort Worth

$1,247 - $1,428 Ins: ~$13/mo

Ascent at Lake Worth Apartments

Northwest Fort Worth

$850 - $2,584 Ins: ~$16/mo

Frequently Asked Questions

Does Oxenfree West Oak Apartments require renters insurance?
We didn't find a public insurance requirement for Oxenfree West Oak 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 Oxenfree West Oak Apartments?
For this zip code and building type, expect to pay around $13/month ($155/year). Oxenfree West Oak Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Oxenfree West Oak Apartments?
Plan for $2,037 to $2,953/month all-in. That's base rent ($2,024 – $2,940), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Oxenfree West Oak Apartments allow pets?
Yes, Oxenfree West Oak Apartments is pet-friendly. Here are the details: Cats, Dogs, and Other Pets Allowed. $30 Monthly Pet Rent. $300 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 Oxenfree West Oak 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 property manager on site, gated, covered parking, on site maintenance — features that can qualify for premium discounts.
What floor plans does Oxenfree West Oak Apartments offer?
There are 8 floor plans to choose from, spanning 2-bedroom, 3-bedroom, 4-bedroom layouts. Rent ranges from $2,024 – $2,940. 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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