Renters Insurance at Twelve33 At Cavender Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Twelve33 At Cavender Apartments can push your insurance cost up or down:
Older Building
Built in 1974 — 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: 1809/100K (15% 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 Twelve33 At Cavender 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 Twelve33 At Cavender 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 Hurst.
Hurst 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 Hurst track closely with national baselines. Twelve33 At Cavender Apartments also has on-site security features (Property manager on site, Perimeter fencing) that insurers recognize with discounts.
Source: FBI UCR Program, Hurst (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
Natural Hazards & Your Renters Coverage
The natural-hazard picture for renters at this address is straightforward: flood risk is low and earthquake shaking isn't a meaningful concern, but Tarrant County sees real severe-weather activity — NOAA tallies roughly 19 severe weather events a year. The good news is that's exactly the kind of damage a standard renters policy is designed to handle. The section below walks through the local weather record.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
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.
Earthquake shaking
USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.
Low seismic hazard · ground motion 0.04g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's records put Tarrant County squarely in severe-weather territory: roughly 19 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Tarrant County. Counts reflect reported events, not damage amounts.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
1233 Cavender Dr, Hurst, TX 76053
Hurst/Euless/Bedford
Monthly Cost Breakdown at Twelve33 At Cavender Apartments
The listed rent isn't the whole number. Here's what Twelve33 At Cavender Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Twelve33 At Cavender Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
UTILITY PACKAGE FEE
FIXED COST OF UTILTIY PACKAGE FEE INCLUDES WATER ELECTRCIT Y GAS PEST CONTROL SERVICE TRASH FEE Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Pets Fees
Pet Fee
Max of 1. Charged per pet.
Monthly Pet Fee
Max of 1. Charged per pet.
Parking Fees
Parking Deposit
Charged per vehicle.
Parking Fee
Charged per vehicle.
Surface Lot
10 spots available "Reserved Parking"
Pet Policy
Bringing a pet? Here's what Twelve33 At Cavender Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Twelve33 At Cavender Apartments
From the property listing:
Enjoy our newly Renovated Units, which feature open layouts, upgraded appliances as well as new laundry facilities and equipment. The exterior building is freshly painted, and the grounds are kept immaculate under the watchful eye of a management team that's available Mon - Friday (and some Saturdays) to serve residents. New courtesy cameras have been installed throughout the property, and residents enjoy complimentary events like our "Summer Swim Party and BBQ" .While living at Twelve33 at Cavender, you’ll have easy access to highways such as I-820 and I-183.
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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