The Meridian Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at The Meridian Apartments in Northwest Fort Worth? Rent here runs $1,274 – $1,455, 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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4450 Marine Creek Pky, Fort Worth, TX 76106

Northwest Fort Worth

Built 2002 2 stories 280 units
2.8/5 ·141 reviews Google
Apt. Finder
$1,274 – $1,455 /month

Monthly Cost Breakdown at The Meridian Apartments

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

Total Monthly Cost $1,288 – $1,469
Base Rent $1,274 – $1,455
Est. Renters Insurance $14/mo

Renters Insurance at The Meridian Apartments

What Affects Your Premium Here

Every building is different. These factors specific to The Meridian Apartments can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Theft Reports

2 mentions in Google 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

$14

Est. Monthly

$168

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 Meridian 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 The Meridian 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

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

4 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 Meridian Apartments also has on-site security features (Property manager on site) 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 Common topic
Theft Mentioned

On-Site Security

Property manager on site

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 Meridian 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 Meridian 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.

$18

Administrative Fee

Charged per unit.

Amenities

Special Features

RENOVATED

Community Features

Maintenance on site Business Center Clubhouse Walk-Up Grill Picnic Area Fitness Center Pool Playground Basketball Court

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Hookup Air Conditioning Smoke Free Cable Ready Wheelchair Accessible (Rooms) Dishwasher Disposal Kitchen Microwave Oven Range Refrigerator Freezer Office Vaulted Ceiling Walk-In Closets

About The Meridian Apartments

Year Built: 2002
Stories: 2 stories
Units: 280
Phone: (682) 900-2963

From the property listing:

We invite you to tour Meridian Apartments in Fort Worth, where you’ll find comfort and value beyond your expectations in a conveniently located, peaceful setting. Residents of our gorgeous two and three-bedroom apartments and townhomes have access to various activities and amenities, including a garden-style pool, business center, fitness center, playground, and clubhouse. Your new home awaits – call or stop by our leasing office today.

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.

Frequently Asked Questions

Does The Meridian Apartments require renters insurance?
We didn't find a public insurance requirement for The Meridian 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 Meridian Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at The Meridian Apartments?
Plan for $1,288 to $1,469/month all-in. That's base rent ($1,274 – $1,455), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
How safe is the area around The Meridian 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 — features that can qualify for premium discounts.
What floor plans does The Meridian Apartments offer?
There are 4 floor plans to choose from, spanning 2-bedroom, 3-bedroom layouts. Rent ranges from $1,274 – $1,455. 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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