Renters Insurance at VLux Trails Apartments
What Affects Your Premium Here
Every building is different. These factors specific to VLux Trails 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
Ground Level
Single-story — higher flood/water intrusion risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2314/100K (47% above 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 VLux Trails Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
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 VLux Trails 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
6 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 Fort Worth.
Fort Worth property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
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. VLux Trails Apartments also has on-site security features (Controlled access, Property manager on site, Gated, Gated access, Covered parking, On site maintenance) 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.
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 VLux Trails 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.
5669 Altamesa Blvd, Fort Worth, TX 76123
Southwest Fort Worth
Monthly Cost Breakdown at VLux Trails Apartments
The listed rent isn't the whole number. Here's what VLux Trails Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at VLux Trails Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
LIABILITY WAIVER
Property Damage Liability Charged per unit.
Storm Water Reimbursement
Storm Water Reimbursement Charged per unit.
Amenity Fee
Amenity Fee Charged per unit.
Trash Reimbursement
Trash Reimbursement Charged per unit.
Utility Billing Service Fees
Utility Billing Service Fees Charged per unit.
Smart Home
Smart Home Charged per unit.
Pest Control Reimbursement
Pest Control Charged per unit.
Administration Fee
Administration Fee Charged per unit.
Application Fee
Application Fee Charged per applicant.
Smart Home Activation Fee
Smart Home Set Up Fee Charged per unit.
Pets Fees
Pet Fees Or Charges
Pet Fees - Dog Charged per pet.
Pet Rent
Pet Rent - Dog Charged per pet.
Parking Fees
Garage - Parking
Garage - Parking Charged per vehicle.
Carport - Parking
Carport - Parking Charged per vehicle.
Addons Fees
Charges For Cleaning Needed
Charges For Cleaning Needed Charged per unit.
Damage Charges
Damage Charges - Carpet Repair Charged per unit.
Extra Keys Or Lock Changes
Keys Not Returned Charged per unit.
Concession Chargeback
Concession Chargeback Charged per unit.
Electric Reimbursement
Final Electric Reimbursement Charged per unit.
Access Card/Remote Fees
Remote/Access Card Not Returned Charged per unit.
Sewer Reimbursement
Final Sewer Reimbursement Charged per unit.
Water Reimbursement
Final Water Reimbursement Charged per unit.
Situational Fees
Second Utility Billing Service Fee
Utility Activation Fee Charged per unit.
Month To Month Charges
Month To Month Charges Charged per unit.
Transfer Fee
Transfer Fee Charged per unit.
Pet Policy
Bringing a pet? Here's what VLux Trails 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.
About VLux Trails Apartments
From the property listing:
Our spacious single-family homes are well-appointed and filled with high-end features and fixtures. Our open-concept layouts offer stainless steel appliances, generous walk-in closets, private patios and backyards, and full-size washer/dryer sets for extra convenience. Our community is surging with plenty of perks and amenities as well. Enjoy having a dedicated management team right on site. Blow off some steam in our outdoor green spaces and take advantage of the resort-inspired pool and sundeck.
Frequently Asked Questions
Does VLux Trails Apartments require renters insurance?
How much is renters insurance at VLux Trails Apartments?
What will I actually pay per month at VLux Trails Apartments?
Does VLux Trails Apartments allow pets?
How safe is the area around VLux Trails Apartments?
What floor plans does VLux Trails 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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