Arrive Upper Kirby Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Arrive Upper Kirby Apartments in Greenway-Upper Kirby? Rent here runs $3,634 – $8,564, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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3333 Lake St, Houston, TX 77098

Greenway-Upper Kirby

Built 2018 25 stories 199 units
4.7/5 ·232 reviews Google
5/5 ·61 reviews Apt. Finder
$3,634 – $8,564 /month

Monthly Cost Breakdown at Arrive Upper Kirby Apartments

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

Total Monthly Cost $3,647 – $8,577
Base Rent $3,634 – $8,564
Est. Renters Insurance $13/mo

Renters Insurance at Arrive Upper Kirby Apartments

We found a few insurance details on Arrive Upper Kirby 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 Arrive Upper Kirby 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

FBI UCR

Property crime rate: 4013/100K (154% above national average)

What You'll Likely Pay

$13

Est. Monthly

$154

Est. Annual

$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 Arrive Upper Kirby Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$75,000 recommended

If you own less

$50,000

If you own more

$100,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Arrive Upper Kirby Apartments:

Carrier Monthly Annual
Lemonade $8/mo $101/yr
USAA $9/mo $113/yr
State Farm $13/mo $151/yr
Progressive $14/mo $164/yr
Safeco $14/mo $164/yr
Travelers $15/mo $176/yr
Allstate $16/mo $189/yr
Nationwide $16/mo $189/yr
Farmers $17/mo $202/yr
Liberty Mutual $19/mo $227/yr

Discounts You May Qualify For

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

4 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 Houston.

Houston property crime rate

4,013

per 100K residents

154% above U.S. avg

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

Breakdown per 100K residents

Burglary
530 / 200
Larceny / theft
2,927 / 1,172
Vehicle theft
555 / 206

U.S. average

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Arrive Upper Kirby Apartments also has on-site security features (Package service, Property manager on site, Concierge, Doorman) that insurers recognize with discounts.

Source: FBI UCR Program, Houston (2024-12 to 2025-11)

On-Site Security

Package service Property manager on site Concierge Doorman

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$100

Administrative Fee

$250

Pets Fees

Monthly Pet Fee

$35 / mo

One-Time Pet Fee

$300

Amenities

Special Features

Courtyard Tesla Charging Station Internet Access: High-Speed

Community Features

Maintenance on site Guest Apartment Elevator Clubhouse Storage Space Courtyard Fitness Center Sauna Pool Playground

Floor Plan Amenities

Washer/Dryer Air Conditioning Microwave Refrigerator Recreation Room Walk-In Closets Window Coverings Floor to Ceiling Windows Balcony Patio

Pet Policy

Bringing a pet? Here's what Arrive Upper Kirby 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
$35 Monthly Pet Rent
$300 Fee
150 lb Weight Limit
2 Pet Limit

About Arrive Upper Kirby Apartments

Year Built: 2018
Stories: 25 stories
Units: 199
Phone: (832) 981-5213

From the property listing:

When you choose to call Arrive Upper Kirby home, you say yes to effortless luxury. Our carefully curated finishes enhance each home's interior, enveloping you in the lifestyle you deserve. Choose from one-, two-, or three-bedroom apartment homes with townhome, loft, and penthouse options. Floor-to-ceiling windows with solar shades offer light and spectacular, panoramic views of the city while our large layouts are perfect for entertaining or enjoying a relaxing evening in. Discover a community as extraordinary as you are.

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 Arrive Upper Kirby Apartments require renters insurance?
We found specific coverage details on Arrive Upper Kirby 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 Arrive Upper Kirby Apartments?
For this zip code and building type, expect to pay around $13/month ($154/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Arrive Upper Kirby Apartments?
Plan for $3,647 to $8,577/month all-in. That's base rent ($3,634 – $8,564), 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 Arrive Upper Kirby Apartments allow pets?
Yes, Arrive Upper Kirby Apartments is pet-friendly. Here are the details: Dogs Allowed. $35 Monthly Pet Rent. $300 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.
How safe is the area around Arrive Upper Kirby Apartments?
Property crime in Houston runs noticeably higher than the national average — 4,013 incidents per 100,000 residents versus the U.S. average of 1,578. 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 530/100K here. On the property itself, you'll find package service, property manager on site, concierge, doorman — features that can qualify for premium discounts.
What floor plans does Arrive Upper Kirby Apartments offer?
There are 8 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $3,634 – $8,564. 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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