299 W Gray St, Houston, TX 77019
Montrose
Monthly Cost Breakdown at 299 West Gray Apartments
The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at 299 West Gray Apartments is higher than the sticker price. Here's the full picture.
What You Need to Know About Insurance at 299 West Gray Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 299 West Gray Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
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 299 West Gray Apartments based on the rent level and building features.
Personal Property Coverage
Liability Coverage
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 299 West Gray 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
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
Compare renters insurance quotes — it's free
Fees Beyond Rent
These are the extra charges 299 West Gray Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.
Required Fees
Pest Control Admin Fee
Covers admin costs for managing pest control services.
Trash Services - Doorstep
Fee for doorstep trash and recycle pickup service.
Trash Admin
Administrative costs for managing trash service billing, coo... Read Morerdination, and related expenses for your apartment. Read Less
Community Amenity Fee
Fee for access to shared resident amenities and facilities.
Utility Service Fee
Monthly fee for utility bill processing and administration.
Pest Control Services
Regular pest prevention and treatment services.
Parking
Fee for reserved or designated parking space use and mainten... Read Moreance Read Less
Common Area Utilities
Shared utility costs in community common areas.
Admin Fee
Fee to process rental application and background check
Application Fee Per Applicant
Application Fee
Administrative processing fee to cover lease preparation.
Community Amenity Set Up
Administrative fee for community amenity setup and resident ... Read Moreprogram enrollment. Read Less
Administrative Fee
Pets Fees
Cat Fee
Fee for allowing pets in the home.
Dog Fee
Pet Fee
Fee for allowing pets in the home.
Cat Rent
Dog Rent
Pet Rent
monthly charge for keeping a pet in the home.
Pet / Animal Lease Violation
Fee issued for unauthorized pets or violations of pet policy... Read More. Read Less
Pet Fee
Pet Fee
Parking Fees
Parking - Reserved
Fee for a designated parking spot on-site.
Addons Fees
Rent Payment Credit Building Service
Build credit by paying rent on time while gaining access to ... Read Morepersonalized budgeting tools and financial education resources. Read Less
Amenity / Clubhouse Rental Fee
Fee for reserving the community clubhouse for events or gath... Read Moreerings. Read Less
Amenity / Clubhouse Rental Deposit (Refundable)
Refundable deposit for potential damages during a clubhouse ... Read Morerental. Read Less
Parking EV Charging
Fee for on-site electric vehicle charging access.
Situational Fees
Boiler Management
Maintenance and operation of the community's central boiler ... Read Moresystem Read Less
Intra-Community Transfer Fee
Charge for transferring to another home within the same comm... Read Moreunity. Read Less
Security Deposit (Refundable)
Refundable deposit covering potential damages and unpaid ren... Read Moret per lease terms. Read Less
Security Deposit Alternative
Alternative to a standard security deposit typically issued ... Read Morethrough a surety bond. Read Less
Renters Liability Non-Compliance
Fee for not maintaining required renters liability insurance... Read More coverage. Read Less
NSF Tenant Fee
NSF Tenant Fee
Late Fee (Percentage)
Calculated as a percentage of the base rent amount.
Utility - Non-transferred Utility Fee
Charge for utility costs not moved to residents name.
Utility - Vacant Cost Recovery
Utility costs incurred while the unit was unoccupied.
Access Device Replacement
Charge to replace lost or damaged key, fob, or remote.
Deposit (Nonrefundable)
a screening-based, non-refundable deposit to address damages... Read More or unpaid rent per lease agreement. Read Less
Concession Repayment
Tenant repayment of rent discounts if lease terms are not me... Read Moret. Read Less
Legal / Eviction Fee
Costs associated with an eviction proceeding.
Reletting Fee
An expense associated with re-renting a unit after early lea... Read Morese termination. Read Less
Lease Violation
Fee for non-compliance with lease terms or community policie... Read Mores. Read Less
Early Lease Termination / Buyout
Buyout for ending lease agreement before its scheduled end d... Read Moreate. Read Less
Insufficient Move-out Notice Fee
Charge for not providing proper advance notice before move-o... Read Moreut. Read Less
Renter Liability - Third Party
Expense related to required liability coverage through a thi... Read Morerd-party provider. Read Less
Utility - Electric
Cost of electricity usage for your apartment.
Utility - Gas
Cost of gas usage for your apartment.
Utility - Stormwater / Drainage
Local stormwater management and drainage system fee.
Utility - Water / Sewer
Water usage and wastewater removal costs.
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 299 West Gray 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: 299 West Gray Apartments has on-site security features (Package lockers, Covered parking) that insurers recognize with premium discounts.
On-Site Security
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 299 West Gray 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 and Cats Allowed
- $30 Monthly Pet Rent
- $400 Fee
- 2 Pet Limit
About 299 West Gray Apartments
Perfectly situated in the trendy Montrose Neighborhood of Houston, TX, 299 West Gray is more than just a place to live. It is a lifestyle furnished by sophisticated home interiors, opulent community amenities, and convenient access to all the perks of downtown Houston.
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
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1903 Portsmouth Apartments
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1919 Portsmouth Apartments
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2900 West Dallas Apartments
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3602 Garrott St Houston, TX, 77006 Apartments
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Caroline West Gray Apartments
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Frequently Asked Questions
Does 299 West Gray Apartments require renters insurance?
How much is renters insurance at 299 West Gray Apartments?
What will I actually pay per month at 299 West Gray Apartments?
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What floor plans does 299 West Gray 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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