5001 State Highway 114, Northlake, TX 76262
Northlake
Monthly Cost Breakdown at The Ruby at Chadwick Commons Apartments
The listed rent isn't the whole number. Here's what The Ruby at Chadwick Commons Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at The Ruby at Chadwick Commons Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Ruby at Chadwick Commons Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1286/100K (19% below 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 The Ruby at Chadwick Commons 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 Ruby at Chadwick Commons 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 $12/mo
5 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 Northlake.
Northlake 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 Northlake track closely with national baselines. The Ruby at Chadwick Commons Apartments also has on-site security features (Package service, Property manager on site, Concierge, Controlled access, Doorman) that insurers recognize with discounts.
Source: FBI UCR Program, Northlake (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 Ruby at Chadwick Commons 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 Ruby at Chadwick Commons Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Package Services
Charged per unit.
Valet Trash
Charged per unit.
High Speed Internet Access
Charged per unit.
Pest Control
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what The Ruby at Chadwick Commons 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 Ruby at Chadwick Commons Apartments
From the property listing:
Welcome to The Ruby at Chadwick Commons, Northlakes newest community with extraordinary living for the suburban sophisticate! Experience all we have to offer in one of our new one, two or three-bedroom apartment homes with interior features such as Smart Home Technology, ultra-modern designer fixtures, timeless hardware and stainless steel appliances, wood flooring and spacious patio/balconies with extra storage. find the style youve been searching for here in your new home at The Ruby at Chadwick Commons.
Other Options Nearby
Still weighing your choices? Other communities in Northlake — compare rent and estimated insurance cost side by side.
Jefferson Northlake Apartments
Northlake
Meadowlark at Wildflower Ranch Apartments
Northlake
101 Center Apartments
Downtown Arlington
10105 Cougar Tr Rental
Northwest Fort Worth
1216 Fairmount Apartments
Southwest Fort Worth
26 at City Point Apartments
North Richland Hills
Frequently Asked Questions
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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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