5401 Chimney Rock Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 14, 2026

Thinking about renting at 5401 Chimney Rock Apartments in Southwest Houston? Rent here runs $935 - $1,565, and renters insurance adds about $18/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

Get Renters Insurance for 5401 Chimney Rock Apartments

Compare renters insurance quotes in seconds

5401 Chimney Rock Rd, Houston, TX 77081

Southwest Houston

Managed by IMT Residential Built 1979 2 stories 970 units
4.1/5 ·989 reviews Google
4/5 ·32 reviews Apt. Finder
$935 - $1,565 /month

Monthly Cost Breakdown at 5401 Chimney Rock Apartments

The listed rent isn't the whole number. Here's what 5401 Chimney Rock Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $953 – $1,583
Base Rent $935 – $1,565
Required Monthly Fees $0
Est. Renters Insurance $18/mo

Renters Insurance at 5401 Chimney Rock Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 5401 Chimney Rock Apartments can push your insurance cost up or down:

Older Building

Built in 1979 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

AreaVibes

Crime grade: F

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$18

Est. Monthly

$213

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 5401 Chimney Rock 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 5401 Chimney Rock Apartments:

Carrier Monthly Annual
Lemonade $9/mo $106/yr
USAA $10/mo $119/yr
State Farm $13/mo $158/yr
Progressive $14/mo $172/yr
Safeco $14/mo $172/yr
Travelers $15/mo $185/yr
Allstate $17/mo $198/yr
Nationwide $17/mo $198/yr
Farmers $18/mo $211/yr
Liberty Mutual $20/mo $238/yr

Discounts You May Qualify For

Gated community
-5%
Controlled access
-3%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $16/mo

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

Compare Quotes Free · No account required

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 5401 Chimney Rock Apartments.

F

Area Crime Grade

1%

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

This reflects Houston as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: 5401 Chimney Rock Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, Doorman) that insurers recognize with premium discounts.

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 Mentioned
Noise Mentioned

On-Site Security

Package service Controlled access Property manager on site Gated Doorman

Fees Beyond Rent

These are the additional charges beyond base rent at 5401 Chimney Rock Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

$45

Administrative Fee

$100

Pets Fees

Monthly Pet Fee

$10 / mo

One-Time Pet Fee

$300

Parking Fees

Parking Fee

N/A / mo

Amenities

Special Features

Built-In Bookcase Built-In Bookselves In Select Homes Dedicated Resident Service Center Designer Selected Carpeting Fully Equipped Kitchens Lush Landscaping My IMT Resident Portal Newly renovated interior Pet Stations Private Patio Or Balcony In Select Homes Rent Pay Kiosk Spacious Floor Plans Spacious One and Two Bedroom Floorplans Spacious Walk-In Closets Two-Tone Interiors Washer/dryer In Unit Wood-Style Flooring In Select Homes

Community Features

Maintenance on site Renters Insurance Program Planned Social Activities Public Transportation Breakfast/Coffee Concierge Walk-Up Pool Gas Range

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Tub/Shower Framed Mirrors Dishwasher Disposal Pantry Kitchen Microwave Oven Refrigerator Breakfast Nook Instant Hot Water Carpet Vinyl Flooring Built-In Bookshelves Walk-In Closets Linen Closet Window Coverings Balcony Patio

Pet Policy

Bringing a pet? Here's what 5401 Chimney Rock 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

  • $10 Monthly Pet Rent
  • $300 Fee
  • 2 Pet Limit

About 5401 Chimney Rock Apartments

Located in a well-established community in one of Houston’s most desirable areas, 5401 Chimney Rock has the apartments you’ve been dreaming of. Located by the Galleria and Greenway Plaza and only a short ten minutes away from downtown, you will have no problem finding great shopping, dining and entertainment. We offer one and two-bedroom floorplans that are all beautifully appointed. Each kitchen is fully equipped with a microwave oven, frost-free refrigerator, dishwasher and disposal. You’ll also enjoy the luxury of having both a washer and dryer inside of every apartment home. If you’re looking for outstanding apartments in Houston, we know that you will fall in love with 5401 Chimney Rock and the high level of service they offer. The community features four refreshing swimming pools, an on-site convenience store and control-access entry systems. As a resident, you will appreciate the professional and experienced on-site management and maintenance staff who work hard to ensure your comfort. We welcome you to 5401 Chimney Rock, the Houston, Texas apartments you’ve been waiting for!

Year Built: 1979
Stories: 2
Total Units: 970
Management: IMT Residential
Phone: (832) 981-5107

Other Options Nearby

Still weighing your choices? These communities are in the same part of Houston — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does 5401 Chimney Rock Apartments require renters insurance?
We didn't find a public insurance requirement for 5401 Chimney Rock 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 5401 Chimney Rock Apartments?
For this zip code and building type, expect to pay around $18/month ($213/year). 5401 Chimney Rock 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 5401 Chimney Rock Apartments?
Plan for $953 to $1,583/month all-in. That's base rent ($935 - $1,565), plus roughly $18/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 5401 Chimney Rock Apartments allow pets?
Yes, 5401 Chimney Rock Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $10 Monthly Pet Rent. $300 Fee. 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.
How safe is the area around 5401 Chimney Rock Apartments?
The area has a F crime grade, which is worth factoring into your coverage decisions. That puts it safer than 1 of U.S. cities. On the property itself, you'll find package service, controlled access, property manager on site, gated — features that can also qualify you for insurance discounts.
What floor plans does 5401 Chimney Rock Apartments offer?
There are 5 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $935 - $1,565. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

Get Renters Insurance for 5401 Chimney Rock Apartments

See how much you could save on renters insurance

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.

SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.

Your privacy

We use cookies to run this site, measure how it's used, and support our advertising. See our Privacy Policy for details.