Renters Insurance at Riachi at One21 Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Riachi at One21 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
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1241/100K (21% below national average)
What You'll Likely Pay
$14
Est. Monthly
$168
Est. Annual
$13
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 Riachi at One21 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 Riachi at One21 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 $13/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 Plano.
Plano 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 Plano track closely with national baselines. Riachi at One21 Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Gated access, Covered parking, Perimeter fencing) that insurers recognize with discounts.
Source: FBI UCR Program, Plano (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.
What residents talk about most
Maintenance
Consistently positive in reviews
“The maintenance team provided excellent and timely service again, even during the bad winter storm.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like Riachi at One21 Apartments, the question of whether to add earthquake coverage to a renters policy isn't obvious — endorsements run roughly $50–$150 a year, and the probability of a damaging quake is real but low. Flood risk here is minimal and most other weather damage is already covered. Specifics below.
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
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
Moderate seismic hazard · ground motion 0.05g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
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 severe-weather record for Collin County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source: NOAA Storm Events Database, annual averages from the past five years for Collin County. Counts reflect reported events, not damage amounts.
Standard renters insurance is enough for most renters here. The earthquake endorsement is worth pricing if you'd find replacing your possessions out-of-pocket painful.
9600 Coit Rd, Plano, TX 75025
Plano
Monthly Cost Breakdown at Riachi at One21 Apartments
The listed rent isn't the whole number. Here's what Riachi at One21 Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Riachi at One21 Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Package Services
Amount for package services. Charged per unit.
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Parking Fee
Amount for covered parking space/services. May be subject t o availability. Charged per unit.
Trash Administrative Fee
Amount to manage trash service billing. Charged per unit.
Pest Control Administrative Fee
Amount to manage pest control billing. Charged per unit.
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Stormwater/Drainage
Usage-Based (Utilities).Amount for provision of storm water services. Charged per unit.
Utility - Water/Wastewater Submeter Admin Fee
Amount for water billing services calculated as a percentage of consumption as allowed by regulation. Charged per unit.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Administrative Fee
Amount to facilitate move-in process for a resident. Charged per unit.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit type.
Pets Fees
Pet Fee
Max of 2. Amount to facilitate authorized pet move-in. Charg ed per pet.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Parking Fees
Parking Fee
Max of 1. Amount for garage parking space/services. May be s ubject to availability. Charged per rentable item.
Parking Fee
Max of 1. Amount for covered parking space/services. May be subject to availability. Charged per rentable item.
Situational Fees
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Trash Container - Replacement
Amount to replace trash/waste container. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per unit.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Reletting Fee
Marketing fee related to early lease termination; excludes r ent and other charges. Charged per unit.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transfe rred to resident responsibility any time during occupancy. Charged per unit.
Lease Violation - Extermination Services
Amount for violation of pest-related community policies. Cha rged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Liquidated Damages
Amount for not satisfying the application and/or lease terms Charged per unit.
Payment Services - Third Party
Amount for using a third party, electronic payment processin g service (i.e. credit card, ACH, etc.). Charged per unit. Payable to 3rd Party
Pet/Animal - Lease Violation
Amount for violation of community policies related to pet or assistance animal. Charged per unit.
Pet Policy
Bringing a pet? Here's what Riachi at One21 Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Riachi at One21 Apartments
From the property listing:
Now Offering Up 8 Weeks Free off Base Rent! Additional Fees May Apply. Terms & Conditions Apply.
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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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