1903 Portsmouth Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 29, 2026

Thinking about renting at 1903 Portsmouth Apartments in Montrose? With rent at $1,145 - $1,705 and renters insurance running about $17/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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1903 Portsmouth St, Houston, TX 77098

Montrose

Managed by CSC Management Built 1969 2 stories 29 units
4/5 ·7 reviews
$1,145 - $1,705 /month

Monthly Cost Breakdown at 1903 Portsmouth Apartments

The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at 1903 Portsmouth Apartments is higher than the sticker price. Here's the full picture.

Total Monthly Cost $1,242 – $1,802
Base Rent $1,145 – $1,705
Required Monthly Fees $80
Est. Renters Insurance $17/mo

What You Need to Know About Insurance at 1903 Portsmouth Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 1903 Portsmouth Apartments can push your insurance cost up or down:

Older Building

Built in 1969 — older plumbing/electrical may increase risk

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

$17

Est. Monthly

$203

Est. Annual

$16

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 1903 Portsmouth Apartments based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

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 1903 Portsmouth Apartments:

Carrier Est. Monthly Est. Annual Tier Digital
Lemonade $8 $101 budget Yes
USAA $9 $113 budget —
State Farm $13 $151 mid —
Progressive $14 $164 mid Yes
Safeco $14 $164 mid —
Travelers $15 $176 mid —
Allstate $16 $189 mid —
Nationwide $16 $189 mid —
Farmers $17 $202 premium —
Liberty Mutual $19 $227 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 1903 Portsmouth Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Pest Control

$10 / mo

Community Fee

$15 / mo

Trash Admin Fee

$25 / mo

Application Fee Per Applicant

$49

Administrative Fee

$50

Pets Fees

Pet Deposit

$500

Monthly Pet Fee

$50 / mo

One-Time Pet Fee

$250

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 1903 Portsmouth 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: 1903 Portsmouth Apartments has on-site security features (Gated, Covered parking) that insurers recognize with premium discounts.

On-Site Security

Gated Covered parking

Amenities

Community Features

Laundry Facilities Courtyard Grill Pool

Floor Plan Amenities

High Speed Internet Access Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Tub/Shower Dishwasher Disposal Granite Countertops Kitchen Microwave Oven Range Refrigerator Hardwood Floors Tile Floors Crown Molding Walk-In Closets

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 1903 Portsmouth Apartments.

Grocery

  • H-E-B 4.6
  • Whole Foods Market 4.4
  • Trader Joe's 4.7

Pharmacy

  • H-E-B Pharmacy 4.2
  • CVS Pharmacy 3.6
  • Walgreens Specialty Pharmacy 4.0

Hospital

  • HCA Houston ER 24/7 - Montrose 4.8
  • Swift Star ER: River Oaks Emergency Room 4.4
  • Houston Methodist Emergency Care Center at Kirby 2.8

Gym

  • DexaFit Katy 4.9
  • The Houstonian Hotel, Club & Spa 4.6
  • 24 Hour Fitness 4.3

Restaurant

  • Nobie's 4.6
  • Ruggles Black 4.7
  • Pinkerton's Barbecue 4.5

Park

  • Dunlavy Park 4.8
  • 1903 Portsmouth 4.3
  • Parque Hermann 4.7

Bank

  • Chase Bank 2.7
  • Bank of Texas 4.2
  • Bank of America ATM (Drive-thru) 2.9

Gas

  • Valero 3.6
  • Shell 3.7
  • Shell 2.6

Pet Policy

Bringing a pet? Here's what 1903 Portsmouth 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

  • $500 Deposit
  • $50 Monthly Pet Rent
  • $250 Fee
  • 150 lb Weight Limit
  • 2 Pet Limit
  • 20 lb Weight Limit

About 1903 Portsmouth Apartments

Electric and Water Included!! Located in the center of Houston's major arteries (Medical Center, Galleria, Downtown) this 30 unit building is the perfect place to call home. With several different elegant one and two bedroom floor plans, the recently remodeled units now boast slate floors with granite countertops, updated kitchen appliances, high base and crown molding, and best of all this is our only ALL utility bills paid property. The property has secured covered parking, on-site laundry facility, gated courtyard with pool, and plenty of character to boot. Pets allowed, no breed or weight restrictions! 2 pet limit, with $250 non refundable pet fee and $25/mo pet rent.

Year Built: 1969
Stories: 2
Total Units: 29
Management: CSC Management
Phone: (346) 201-4489

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.

1010 Waugh Apartments

Montrose

$1,870 - $4,824 Ins: ~$13/mo

1919 Portsmouth Apartments

Montrose

$1,175 - $1,685 Ins: ~$17/mo

2900 West Dallas Apartments

Montrose

$1,819 - $4,868 Ins: ~$15/mo

299 West Gray Apartments

Montrose

$1,399 - $5,287 Ins: ~$13/mo

3602 Garrott St Houston, TX, 77006 Apartments

Montrose

$1,150 - $1,375 Ins: ~$14/mo

Caroline West Gray Apartments

Montrose

$1,213 - $6,841 Ins: ~$15/mo

Frequently Asked Questions

Does 1903 Portsmouth Apartments require renters insurance?
We didn't find a public insurance requirement for 1903 Portsmouth 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 1903 Portsmouth Apartments?
For this zip code and building type, expect to pay around $17/month ($203/year). 1903 Portsmouth Apartments has security features that qualify for discounts — with those applied, you could pay as little as $16/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at 1903 Portsmouth Apartments?
Plan for $1,242 to $1,802/month all-in. That's base rent ($1,145 - $1,705), plus $80/month in required fees (trash, utilities, etc.), plus roughly $17/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 1903 Portsmouth Apartments allow pets?
Yes, 1903 Portsmouth Apartments is pet-friendly. Here are the details: Dogs Allowed. $500 Deposit. $50 Monthly Pet Rent. $250 Fee. 150 lb Weight Limit. 2 Pet Limit. 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 1903 Portsmouth Apartments offer?
There are 4 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,145 - $1,705. 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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