Renters Insurance at Loma Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Loma Apartments can push your insurance cost up or down:
Older Building
Built in 1921 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Water/Leak Issues
3 mentions in Google reviews
FBI UCR
Property crime rate: 1356/100K (14% below 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 Loma Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
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 Loma 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 El Paso.
El Paso 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 El Paso track closely with national baselines. Loma Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, El Paso (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
2827 Louisiana St, El Paso, TX 79930
Military Heights
Monthly Cost Breakdown at Loma Apartments
The listed rent isn't the whole number. Here's what Loma Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Loma 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.
Pets Fees
One-Time Pet Fee
Max of 1. Charged per pet.
Pet Deposit
Max of 1. Charged per pet.
Monthly Pet Fee
Max of 1. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Surface Lot
Parking Available
Pet Policy
Bringing a pet? Here's what Loma 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 Loma Apartments
From the property listing:
Find your new home at Loma Apartments in El Paso, TX. You'll find this community on Louisiana St in the Military Heights area of El Paso. Let the professional leasing staff show you everything this community has in store. Stop looking and get moving. Contact or stop by the Loma Apartments leasing office to schedule a tour.
Frequently Asked Questions
Does Loma Apartments require renters insurance?
How much is renters insurance at Loma Apartments?
What will I actually pay per month at Loma Apartments?
Does Loma Apartments allow pets?
How safe is the area around Loma Apartments?
What floor plans does Loma 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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