1823 S Las Vegas Trl, White Settlement, TX 76108
White Settlement
Monthly Cost Breakdown at Westlake Gardens & Bella Terra Apartments
The listed rent isn't the whole number. Here's what Westlake Gardens & Bella Terra Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Westlake Gardens & Bella Terra Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Westlake Gardens & Bella Terra Apartments can push your insurance cost up or down:
Older Building
Built in 1984 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1741/100K (10% 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 Westlake Gardens & Bella Terra 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 Westlake Gardens & Bella Terra 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 $14/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 White Settlement.
White Settlement 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 White Settlement track closely with national baselines. Westlake Gardens & Bella Terra Apartments also has on-site security features (Package service, Property manager on site, Video patrol, Gated) that insurers recognize with discounts.
Source: FBI UCR Program, White Settlement (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 Westlake Gardens & Bella Terra 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 Westlake Gardens & Bella Terra 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.
Administrative Fee
Charged per unit.
Pets Fees
Pet Deposit
Charged per pet.
Pet Deposit
Max of 2. Charged per pet.
Amenities
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Westlake Gardens & Bella Terra Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Westlake Gardens & Bella Terra Apartments
From the property listing:
SUPERIOR LOCATION!! SUPERIOR MANAGEMENT!!! Our apartment homes offer the convenience of city life with a country atmosphere. Your apartment home will allow you the quality of life you deserve with convenient shopping, restaurants and prime school district. The quality is evident the moment you walk in the door. Come on in and take a tour and get into your new home . Deposit is waved at the moment for a great special, APP/ADMIN are due upfront to start application $50 for application and $50 for admin. Welcome Home!! Beautiful 2 bedroom, 1 bathroom available here at Westlake Gardens.
Other Options Nearby
Still weighing your choices? Other communities in White Settlement — compare rent and estimated insurance cost side by side.
Oak View Apartments
White Settlement
The Creek Apartments
White Settlement
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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