Renters Insurance at Onyx North Central Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Onyx North Central 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
Identity Theft Concerns
1 mention in reviews (mail tampering, fraud, personal info)
Vehicle Crime
1 mention of car theft, vandalism, or break-ins in reviews
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2080/100K (32% above national average)
What You'll Likely Pay
$12
Est. Monthly
$147
Est. Annual
$11
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 Onyx North Central 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
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 Onyx North Central 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 $11/mo
7 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 Phoenix.
Phoenix 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. Onyx North Central Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Video patrol, Gated, Sprinklers, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Phoenix (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 Onyx North Central Apartments.
FEMA Zone X (0.2 Pct Annual Chance 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.
777 E Stella Ln, Phoenix, AZ 85014
North Phoenix
Monthly Cost Breakdown at Onyx North Central Apartments
The listed rent isn't the whole number. Here's what Onyx North Central Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Onyx North Central 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.
Parking Fees
Garage Lot
Unassigned garage parking is $65/month for the first vehicle and $100/month for any additional. Assigned garage parking is $100/month conveniently located next to a building door entrance.
About Onyx North Central Apartments
From the property listing:
Welcome to Onyx North Central – Redefining Luxury Living in Phoenix Formerly known as Alta North Central Discover unmatched luxury at Onyx North Central, a residence defined by elegant details and top-tier amenities. Located in the heart of North Central Phoenix, this community offers a refined lifestyle where comfort meets convenience. Apartment Features: - Varied Floor Plans: Choose from one, two, and three-bedroom layouts designed for modern living. - Luxurious Interiors: Each home features upscale finishes and extensive amenities tailored for your lifestyle. Community Amenities:
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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