Renters Insurance at The Ava and Aria Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Ava and Aria Apartments can push your insurance cost up or down:
Older Building
Built in 1977 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1783/100K (13% above national average)
What You'll Likely Pay
$16
Est. Monthly
$193
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 The Ava and Aria 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 The Ava and Aria 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 $16/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 Irving.
Irving 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 Irving track closely with national baselines. The Ava and Aria Apartments also has on-site security features (Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Irving (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 The Ava and Aria 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.
3800 N Belt Line Rd, Irving, TX 75038
Irving
Monthly Cost Breakdown at The Ava and Aria Apartments
The listed rent isn't the whole number. Here's what The Ava and Aria Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Ava and Aria 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.
Pet Policy
Bringing a pet? Here's what The Ava and Aria Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Ava and Aria Apartments
From the property listing:
Located near The Mustangs of Las Colinas Museum & Sculpture and Victoria Park, we offer eight spacious and beautiful apartment homes to choose from. Bright and airy with all the features you look for when choosing a home. Cooking a gourmet meal has never been easier than with granite countertops, a microwave, and stainless steel or black appliances. We provide our residents with everything they need to feel at home. Stay in shape with our state-of-the-art fitness center. You can go for a swim in our shimmering swimming pool.
Frequently Asked Questions
Does The Ava and Aria Apartments require renters insurance?
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What will I actually pay per month at The Ava and Aria Apartments?
Does The Ava and Aria Apartments allow pets?
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What floor plans does The Ava and Aria Apartments offer?
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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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