Renters Insurance at Pine Valley Estates Apartments
We found a few insurance details on Pine Valley Estates Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Pine Valley Estates Apartments can push your insurance cost up or down:
Older Building
Built in 1984 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Ground Level
Single-story — higher flood/water intrusion risk
FBI UCR
Property crime rate: 1356/100K (14% below national average)
What You'll Likely Pay
$15
Est. Monthly
$176
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 Pine Valley Estates 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
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 Pine Valley Estates 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 $15/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. Pine Valley Estates Apartments also has on-site security features (Package service, Property manager on site, Perimeter fencing) 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
415 W Redd Rd, El Paso, TX 79932
West Green
Monthly Cost Breakdown at Pine Valley Estates Apartments
The listed rent isn't the whole number. Here's what Pine Valley Estates Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Pine Valley Estates 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 2. Charged per pet.
Pet Deposit
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Pet Policy
Bringing a pet? Here's what Pine Valley Estates 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 Pine Valley Estates Apartments
From the property listing:
Welcome Home to Pine Valley Estates! Pine Valley Estates is located in the charming community of the Upper Valley in a serene neighborhood with beautiful mountain views. We are just minutes away from I-10, exclusive restaurants, and neighborhood stores. We offer three unique floorplans designed with you in mind and our on site management will make your experience here at Pine Valley one to remember.
Frequently Asked Questions
Does Pine Valley Estates Apartments require renters insurance?
How much is renters insurance at Pine Valley Estates Apartments?
What will I actually pay per month at Pine Valley Estates Apartments?
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How safe is the area around Pine Valley Estates Apartments?
What floor plans does Pine Valley Estates 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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