1010 Waugh Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 29, 2026

Thinking about renting at 1010 Waugh Apartments in Montrose? With rent at $1,870 - $4,824 and renters insurance running about $13/mo, we've put together what you need to know before you sign — including which carriers offer the best rates for this building and what your lease actually requires.

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1010 Waugh Dr, Houston, TX 77019

Montrose

Managed by Fairfield Built 2025 14 stories 340 units
4/5 ·9 reviews
$1,870 - $4,824 /month

Monthly Cost Breakdown at 1010 Waugh Apartments

The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at 1010 Waugh Apartments is higher than the sticker price. Here's the full picture.

Total Monthly Cost $1,883 – $4,837
Base Rent $1,870 – $4,824
Required Monthly Fees $0
Est. Renters Insurance $13/mo

What You Need to Know About Insurance at 1010 Waugh Apartments

Accepted Insurance Providers

1010 Waugh Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

sure kin

From the 1010 Waugh Apartments Website

Support Animals: If the animal is an emotional support animal, pet deposits are not necessary, and breed restrictions do not apply. A signed letter from a qualified professional, meeting the company’s standards for reasonable accommodation regarding emotional support animals, along with proof of current rabies vaccinations and licenses (if applicable by law), is required.

Service Animals: If the animal is a service animal, pet deposits are not necessary, and breed restrictions do not apply. If your disability and the work performed by the animal are not readily apparent, you may be asked to confirm that the service animal is required and asked to describe the work or tasks the service animal is trained to perform. Proof of current rabies vaccinations and licenses (if applicable by law) is required.

What Affects Your Premium Here

Every building is different. These factors specific to 1010 Waugh Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Dog-Friendly

Dogs allowed — consider higher liability coverage

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$13

Est. Monthly

$162

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 1010 Waugh Apartments based on the rent level and building features.

Personal Property Coverage

$75,000 recommended
Low: $40,000 High: $100,000

Liability Coverage

$300,000 $300,000

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 1010 Waugh Apartments:

Carrier Est. Monthly Est. Annual Tier Digital
Lemonade $9 $106 budget Yes
USAA $10 $119 budget
State Farm $13 $158 mid
Progressive $14 $172 mid Yes
Safeco $14 $172 mid
Travelers $15 $185 mid
Allstate $17 $198 mid
Nationwide $17 $198 mid
Farmers $18 $211 premium
Liberty Mutual $20 $238 premium

Discounts You May Qualify For

Gated community

Up to 5% off

Claims-free (if applicable)

Up to 10% off

Pay-in-full annual

Up to 7% off

Paperless/autopay

Up to 3% off

Multi-policy bundle

Up to 10% off

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Fees Beyond Rent

These are the extra charges 1010 Waugh Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Pets Fees

Cat Deposit

$250

Cat Fee

$250

Dog Deposit

$250

Dog Fee

$250

Cat Rent

$30 / mo

Dog Rent

$30 / mo

Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around 1010 Waugh Apartments.

1%

Houston overall is safer than only 1% of U.S. cities

This is a city-wide stat — your actual neighborhood may differ. The good news: 1010 Waugh Apartments has on-site security features (Gated, Package lockers, Covered parking) that insurers recognize with premium discounts.

On-Site Security

Gated Package lockers Covered parking

Amenities

Special Features

10- and 12-Foot Ceilings* 14th-Floor Penthouse Apartments* 24-hour package lockers Additional storage available for rent Asphalt Design Package Bicycle Lounge Breakfast bar* Built-in bookshelves* Central garage parking Ceramic tile tub surround Coworking Lounge Dog run Dog wash Dual vanity bathroom sinks* Electronic front door lock EV Charging Stations Game Area Golf simulator In-home washer and dryer Kitchen island* Kitchen pantry* Laundry service lockers Lighted Ceiling Fans Mud room* Pet friendly: Puppies and kittens welcome Private patio or balcony* Programmable thermostat Rideshare waiting lounge Roller shades Sage Design Package Share the Air: Smoke-free community Shower with glass enclosure* Sky Deck Sky Lounge Social Lounge Upgraded closet* Upgraded Stainless Steel Appliance Package* USB outlets in kitchen Wood-Style Plank Flooring

Community Features

Laundry Service Car Charging Station Lounge Fitness Center Pool Bicycle Storage

Floor Plan Amenities

Ceiling Fans Smoke Free Fireplace Stainless Steel Appliances Pantry Island Kitchen Kitchen Quartz Countertops Mud Room Built-In Bookshelves Balcony Patio Deck

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 1010 Waugh Apartments.

Grocery

  • Amazon Counter at Whole Foods Market 4.3
  • Amazon Hub Locker - Montrose 4.7
  • Snap Kitchen 2.3

Hospital

  • Montrose Emergency Room - 24 Hours ER Houston 4.7
  • HCA Houston ER 24/7 - Montrose 4.8
  • Swift Star ER: River Oaks Emergency Room 4.4

Gym

  • DexaFit Katy 4.9
  • Houston Gym 4.6
  • EōS Fitness 4.3

Restaurant

  • Katami 4.7
  • Hudson House 4.6
  • Pizza Birra Vino 4.8

Bank

  • Wells Fargo Bank 3.0
  • Frost Bank 4.2

Gas

  • C-Store 1.9
  • Timewise 1.0

Pet Policy

Bringing a pet? Here's what 1010 Waugh 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.

Dogs Allowed

  • $250 Deposit
  • $30 Monthly Pet Rent
  • $250 Fee

About 1010 Waugh Apartments

NOW OPEN! 1010 Waugh Apartments offers everything you expect from high-rise living in the heart of Houston, and then some. Weve created a variety of spaces on different levels of the community for you to explore. Enjoy a cozy wait for your ride next to the fireplace in our rideshare lounge. Practice your swing in our golf simulator. Mingle in the social lounge over a game of shuffleboard or entertain friends at the indoor/outdoor sky lounge and deck on the 14th floor. Inside, your home offers the same attention to detail with thoughtful touches like roller shades, a sleek tile backsplash, and USB outlets.When it is time to venture out, our location in the inner loop of Houstons downtown core offers incredible access to Hanover Square, The Heights, Buffalo Bayou Park, the Toyota Center, Discovery Green, and much more. Everyday essentials are all within blocks, and when adventure calls, Houston Hobby Airport is less than 30 minutes away.

Year Built: 2025
Stories: 14
Total Units: 340
Management: Fairfield
Phone: (281) 377-7437

Other Options Nearby

Still weighing your choices? These communities are in the same part of Houston — with their own insurance costs and safety profiles worth comparing.

Frequently Asked Questions

Does 1010 Waugh Apartments require renters insurance?
We didn't find a public insurance requirement for 1010 Waugh Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and 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 1010 Waugh Apartments?
For this zip code and building type, expect to pay around $13/month ($162/year). 1010 Waugh 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 below average.
What will I actually pay per month at 1010 Waugh Apartments?
Plan for $1,883 to $4,837/month all-in. That's base rent ($1,870 - $4,824), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 1010 Waugh Apartments allow pets?
Yes, 1010 Waugh Apartments is pet-friendly. Here are the details: Dogs Allowed. $250 Deposit. $30 Monthly Pet Rent. $250 Fee. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
What floor plans does 1010 Waugh Apartments offer?
There are 30 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,870 - $4,824. 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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