Oxford at Iron Horse Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Oxford at Iron Horse Apartments in Iron Horse? Rent here runs $1,100 – $2,172, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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6100 Browning Dr, North Richland Hills, TX 76180

Iron Horse

Built 2003 2 stories 491 units
3.5/5 ·101 reviews Google
4/5 ·19 reviews Apt. Finder
$1,100 – $2,172 /month

Monthly Cost Breakdown at Oxford at Iron Horse Apartments

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

Total Monthly Cost $1,114 – $2,186
Base Rent $1,100 – $2,172
Est. Renters Insurance $14/mo

Renters Insurance at Oxford at Iron Horse Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Oxford at Iron Horse 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: 1814/100K (15% 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 Oxford at Iron Horse 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

$300,000 recommended

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 Oxford at Iron Horse 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 $12/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 North Richland Hills.

North Richland Hills property crime rate

1,814

per 100K residents

15% above U.S. avg

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

Breakdown per 100K residents

Burglary
195 / 200
Larceny / theft
1,471 / 1,172
Vehicle theft
148 / 206

U.S. average

Near-average property crime means insurance premiums in North Richland Hills track closely with national baselines. Oxford at Iron Horse Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Doorman, Sprinklers) that insurers recognize with discounts.

Source: FBI UCR Program, North Richland Hills (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 Frequent topic
8×

On-Site Security

Package service Controlled access Property manager on site Gated Doorman Sprinklers

Flood Risk

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

$50

Administrative Fee

Charged per unit.

$100

Pets Fees

Pet Deposit

Max of 2. Charged per pet.

Free

One-Time Pet Fee

Max of 2. Charged per pet.

$300

Monthly Pet Fee

Max of 2. Charged per pet.

$15 / mo

Parking Fees

Parking Fee

Charged per vehicle.

$75 - $105 / mo

Parking Fee

Charged per vehicle.

Free

Amenities

Community Features

Wi-Fi Maintenance on site Trash Pickup - Door to Door Recycling Online Services Planned Social Activities Pet Play Area Elevator Business Center Clubhouse Lounge Multi Use Room Breakfast/Coffee Concierge Conference Rooms Walk-Up Cabana Courtyard Grill Picnic Area Fitness Center Hot Tub Pool Basketball Court Volleyball Court Putting Greens Walking/Biking Trails Media Center/Movie Theatre Pickleball Court

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Trash Compactor Storage Space Double Vanities Tub/Shower Handrails Sprinkler System Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Hardwood Floors Carpet Tile Floors Vinyl Flooring Dining Room Office Built-In Bookshelves Crown Molding Vaulted Ceiling Bay Window Walk-In Closets Linen Closet Window Coverings Large Bedrooms Balcony Patio Porch

Pet Policy

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

Pet policies are negotiable.

About Oxford at Iron Horse Apartments

Year Built: 2003
Stories: 2 stories
Units: 491
Phone: (682) 452-6241

From the property listing:

Oxford at Iron Horse Apartment Homes For Rent in North Richland Hills, TX was created for those who know what they want out of life! Our elegant homes of distinction provide carefree living with personalized service. You`ll be surrounded by natural beauty and vitality. With our central location, you are just minutes from fine dining, shopping and recreation. With features such as a pool and a business center, you`ll be living the good life at Oxford at Iron Horse.

Other Options Nearby

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

Acacia Apartments

Iron Horse

$859 Ins: ~$15/mo

Grayson Ridge Apartments

Iron Horse

$1,190 - $1,690 Ins: ~$15/mo

Ironcrest Apartments

Iron Horse

$1,269 - $2,264 Ins: ~$12/mo

The Delano at North Richland Hills Apartments

Iron Horse

$1,434 - $4,878 Ins: ~$14/mo

101 Center Apartments

Downtown Arlington

$669 - $1,550 Ins: ~$12/mo

10105 Cougar Tr Rental

Northwest Fort Worth

$2,540 Ins: ~$14/mo

Frequently Asked Questions

Does Oxford at Iron Horse Apartments require renters insurance?
We didn't find a public insurance requirement for Oxford at Iron Horse 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 Oxford at Iron Horse Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Oxford at Iron Horse 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 Oxford at Iron Horse Apartments?
Plan for $1,114 to $2,186/month all-in. That's base rent ($1,100 – $2,172), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Oxford at Iron Horse Apartments allow pets?
Pet policies at Oxford at Iron Horse Apartments are handled on a case-by-case basis — contact the leasing office for details.
How safe is the area around Oxford at Iron Horse Apartments?
Property crime in North Richland Hills sits near the national average — 1,814 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 195/100K here. On the property itself, you'll find package service, controlled access, property manager on site, gated — features that can qualify for premium discounts.
What floor plans does Oxford at Iron Horse Apartments offer?
There are 20 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,100 – $2,172. 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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