Van Horne Estates Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Van Horne Estates Apartments in Northeast El Paso? Rent here runs $810 – $1,205, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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11611 Dyer St, El Paso, TX 79934

Northeast El Paso

Built 2011 3 stories 612 units
3.7/5 ·463 reviews Google
5/5 ·8 reviews Apt. Finder
$810 – $1,205 /month

Monthly Cost Breakdown at Van Horne Estates Apartments

The listed rent isn't the whole number. Here's what Van Horne Estates Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $824 – $1,219
Base Rent $810 – $1,205
Est. Renters Insurance $14/mo

Renters Insurance at Van Horne Estates Apartments

We found a few insurance details on Van Horne Estates Apartments's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
See how your options compare. Get a quote

* 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 Van Horne Estates Apartments can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Vehicle Crime

1 mentions of car theft, vandalism, or break-ins in reviews

FBI UCR

Property crime rate: 1356/100K (14% 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 Van Horne Estates Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$15,000 recommended

If you own less

$10,000

If you own more

$25,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Van Horne 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

Sprinkler system
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $13/mo

5 discounts may apply here. Real quotes show your actual price — estimates can't.

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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

1,356

per 100K residents

14% below U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
117 / 200
Larceny / theft
966 / 1,172
Vehicle theft
272 / 206

U.S. average

Near-average property crime means insurance premiums in El Paso track closely with national baselines. Van Horne Estates Apartments also has on-site security features (Property manager on site, Sprinklers) 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.

Maintenance Issues Common topic
Fire Common topic
Pest Issues Mentioned
Water Damage Mentioned
Vehicle Crime Mentioned

On-Site Security

Property manager on site Sprinklers

Fees Beyond Rent

These are the additional charges beyond base rent at Van Horne 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.

$70

Parking Fee

Charged per unit.

$30

Administrative Fee

Charged per unit.

$85

Pets Fees

Dog Fee

Charged per pet.

$350

Dog Rent

Charged per pet.

$30 / mo

Cat Fee

Charged per pet.

$350

Cat Rent

Charged per pet.

$30 / mo

Amenities

Special Features

2 Public Parks Carpeting Efficient Appliances End Unit Fitness Path Gated Pool Area Interior Unit Large Closets Outdoor Excercise Equipment Patio/Balcony Refrigerated Air Spanish Speaking Staff Washer and Dryer Connections

Community Features

Laundry Facilities Maintenance on site 24 Hour Access Pet Play Area Business Center Walk-Up Sundeck Grill Picnic Area Pool Playground Basketball Court

Floor Plan Amenities

Washer/Dryer Hookup Air Conditioning Heating Smoke Free Cable Ready Tub/Shower Sprinkler System Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Kitchen Oven Range Refrigerator Freezer Breakfast Nook Instant Hot Water Carpet Vinyl Flooring Dining Room Walk-In Closets Linen Closet Window Coverings Balcony Patio

Pet Policy

Bringing a pet? Here's what Van Horne Estates Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed
$30 Monthly Pet Rent
$350 Fee
80 lb Weight Limit
2 Pet Limit

About Van Horne Estates Apartments

Year Built: 2011
Stories: 3 stories
Units: 612
Phone: (575) 448-9126

From the property listing:

Van Horne Estates Apartments offers fantastic apartments with spacious floor plans! CALL FOR WEEKLY SPECIALS!!! Our 2 bedroom apartment homes are a spacious 960 square feet and have a large living area, dining room area, full bath, and patio/balcony area. Select apartments offer full-sized washer and dryer connections! (Van Horne Estates also offers private, on-site laundry facilities for your convenience.

Other Options Nearby

Still weighing your choices? Other communities in El Paso — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Van Horne Estates Apartments require renters insurance?
We found specific coverage details on Van Horne Estates Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. Even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at Van Horne Estates Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Van Horne Estates Apartments has security features that qualify for discounts — with those applied, you could pay as little as $13/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Van Horne Estates Apartments?
Plan for $824 to $1,219/month all-in. That's base rent ($810 – $1,205), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Van Horne Estates Apartments allow pets?
Yes, Van Horne Estates Apartments is pet-friendly. Here are the details: Cats Allowed. $30 Monthly Pet Rent. $350 Fee. 80 lb Weight Limit. 2 Pet Limit. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around Van Horne Estates Apartments?
Property crime in El Paso sits near the national average — 1,356 per 100,000 residents versus 1,578 nationwide. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 117/100K here. On the property itself, you'll find property manager on site, sprinklers — features that can qualify for premium discounts.
What floor plans does Van Horne Estates Apartments offer?
There are 2 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $810 – $1,205. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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