The Club at Stonegate Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at The Club at Stonegate Apartments in Southwest Fort Worth? Rent here runs $1,132 – $3,367, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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2450 Oak Hill Cir, Fort Worth, TX 76109

Southwest Fort Worth

Built 1998 3 stories 360 units
4/5 ·338 reviews Google
5/5 ·30 reviews Apt. Finder
$1,132 – $3,367 /month

Monthly Cost Breakdown at The Club at Stonegate Apartments

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

Total Monthly Cost $1,147 – $3,382
Base Rent $1,132 – $3,367
Est. Renters Insurance $15/mo

Renters Insurance at The Club at Stonegate Apartments

What Affects Your Premium Here

Every building is different. These factors specific to The Club at Stonegate 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

Dog-Friendly

Dogs allowed — consider higher liability coverage

Water/Leak Issues

4 mentions in Google reviews

Security System Issues

1 mentions of broken gates, cameras, or locks in reviews

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 2314/100K (47% above national average)

What You'll Likely Pay

$15

Est. Monthly

$176

Est. Annual

$14

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 The Club at Stonegate 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

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 The Club at Stonegate 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%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $14/mo

6 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. The Club at Stonegate Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Concierge, Gated, Doorman, Perimeter fencing) that insurers recognize with discounts.

Source: FBI UCR Program, Fort Worth (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
10×
Water Damage Common topic
4×
Noise Common topic
4×
Pest Issues Mentioned
2×
Fire Mentioned
1×
Security System Failures Mentioned
1×

On-Site Security

Package service Controlled access Property manager on site Concierge Gated Doorman 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 The Club at Stonegate 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 The Club at Stonegate 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.

$75

Administrative Fee

Charged per unit.

$150

Pets Fees

Pet Deposit

Max of 2. Charged per pet.

$300

Monthly Pet Fee

Max of 2. Charged per pet.

$20 / mo

Amenities

Special Features

Pet Park & Spa Cabinets - Mahogany Brown Classic Finish - No Granite Grilling Stations Brown Cabinets Cabinets-White Granite/Brown Cabinets

Community Features

Maintenance on site 24 Hour Access Trash Pickup - Door to Door Online Services Planned Social Activities Pet Washing Station Business Center Clubhouse Lounge Conference Rooms Walk-Up Fenced Lot Courtyard Grill Picnic Area Fitness Center Pool Walking/Biking Trails Gameroom Media Center/Movie Theatre Individual Locking Bedrooms

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Storage Space Double Vanities Tub/Shower Fireplace Framed Mirrors Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Vinyl Flooring Dining Room Family Room Crown Molding Balcony Patio Deck

Pet Policy

Bringing a pet? Here's what The Club at Stonegate 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 and Dogs Allowed
$300 Deposit
$20 Monthly Pet Rent
75 lb Weight Limit
2 Pet Limit

About The Club at Stonegate Apartments

Year Built: 1998
Stories: 3 stories
Units: 360
Phone: (682) 204-1347

From the property listing:

One Month FREE+ A Move-In Upgrade The Club at Stonegate is a beautiful community located right in the middle of it all. Close to downtown Ft Worth, TCU, Clearkfork, and Trinity Trails. This community offers a 24-hour fitness center, outdoor living spaces, and more.

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.

1216 Fairmount Apartments

Southwest Fort Worth

$1,900 Ins: ~$13/mo

2900 Broadmoor Apartments

Southwest Fort Worth

$849 - $1,726 Ins: ~$13/mo

4000 Hulen Apartments

Southwest Fort Worth

$1,176 - $2,389 Ins: ~$13/mo

7109 Misty Meadow Dr S Rental

Southwest Fort Worth

$1,900 Ins: ~$14/mo

7320 Laurelhill Ct S Rental

Southwest Fort Worth

$1,845 Ins: ~$14/mo

Affinity at Tavolo Park 55+ Apartments

Southwest Fort Worth

$1,399 - $2,809 Ins: ~$12/mo

Frequently Asked Questions

Does The Club at Stonegate Apartments require renters insurance?
We didn't find a public insurance requirement for The Club at Stonegate 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 The Club at Stonegate Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). The Club at Stonegate Apartments has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at The Club at Stonegate Apartments?
Plan for $1,147 to $3,382/month all-in. That's base rent ($1,132 – $3,367), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does The Club at Stonegate Apartments allow pets?
Yes, The Club at Stonegate Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $300 Deposit. $20 Monthly Pet Rent. 75 lb Weight Limit. 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 The Club at Stonegate 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 package service, controlled access, property manager on site, concierge — features that can qualify for premium discounts.
What floor plans does The Club at Stonegate Apartments offer?
There are 9 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, 4-bedroom layouts. Rent ranges from $1,132 – $3,367. 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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