Asheville at Spring Branch Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Asheville at Spring Branch Apartments in Spring Branch? Rent here runs $1,120 – $1,920, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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10800 Clay Rd, Houston, TX 77041

Spring Branch

Built 2004 3 stories 336 units
3.4/5 ·285 reviews Google
5/5 ·17 reviews Apt. Finder
$1,120 – $1,920 /month

Monthly Cost Breakdown at Asheville at Spring Branch Apartments

The listed rent isn't the whole number. Here's what Asheville at Spring Branch Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,210 – $2,010
Base Rent $1,120 – $1,920
Required Monthly Fees $76
Est. Renters Insurance $14/mo

Renters Insurance at Asheville at Spring Branch Apartments

We found a few insurance details on Asheville at Spring Branch 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 Asheville at Spring Branch 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

$14

Est. Monthly

$168

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 Asheville at Spring Branch Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

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 Asheville at Spring Branch Apartments:

Carrier Monthly Annual
Lemonade $8/mo $96/yr
USAA $9/mo $108/yr
State Farm $12/mo $144/yr
Progressive $13/mo $156/yr
Safeco $13/mo $156/yr
Travelers $14/mo $168/yr
Allstate $15/mo $180/yr
Nationwide $15/mo $180/yr
Farmers $16/mo $192/yr
Liberty Mutual $18/mo $216/yr

Discounts You May Qualify For

Sprinkler system
-5%
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

5 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. Asheville at Spring Branch Apartments also has on-site security features (Package service, Property manager on site, Package lockers, Sprinklers, Covered parking, On site maintenance) that insurers recognize with discounts.

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

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

On-Site Security

Package service Property manager on site Package lockers Sprinklers Covered parking On site maintenance

Fees Beyond Rent

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

Required Fees

Trash Fee

Trash Fee

$12 / mo

Technology Fee

Technology Fee

$20 / mo

Utility Admin Fee

Utility Admin Fee

$3 / mo

Pest Reimbursement

Pest Reimbursement

$5 / mo

Administrative Fee

Administrative Fee

$257.55

100 Screening Fee

Application Fee

$50.72

Pets Fees

Non-Refundable Pet Fee

Pet Fee - Non Refundable - Cat

$350

Monthly Pet Rent

Pet Rent - Cat

$20 / mo

Parking Fees

Reserved Parking - Parking

Reserved Parking - Parking

$35 / mo

Garage - Parking

Garage - Parking

$95 / mo

Addons Fees

Roommate Change Fee

Per Person Per Occurrence

$250

Conditional Admin Fee

Conditional Admin Fee

$250

Situational Fees

End of Lease Term Transfer Fee

Transfer fee at the end of your lease

$250

Month To Month Charges

Month To Month Charges

$250

NSF Fee

Payment Returned Fee

$50

Mid-Term Transfer Fee

Mid-Term Transfer Fee

$750

Late Fee

Late on the 4th

10% of base rent

Amenities

Special Features

Ceiling fan master bedroom Impressive Nine-Foot Ceilings On-site Storage Open Kitchen Concept White/Gray Cabinet Combo Wood Style Flooring Throughout Black Appliances Separate Shower Tile Surround White Cabinets Distinctive Bay Windows* Oversized Tubs Wood-Style Flooring Built-In Computer Desk Spruce Lifestyle Services Stainless steel appliances White Quartz Countertops 24-hour Fitness Center All Wood Flooring Ceramic tile backsplash Computer desk Resort Style Pool Valet Trash Pick Up White quartz/undermount sink 24-hour Package Lockers Built-In Bookcases Garages On Call Emergency Maintenance Peloton Bikes Pool view Walk in Closets Washer/Dryer in Unit Relaxing Garden Tubs Stackable Washer & Dryer Wine Cabinet 2 Inch Faux Wood Blinds 6 inch baseboards Black appliances/granite Full Size Washer & Dryer Full size Washer/Dryer LED Cabinet Lighting Stand up Shower USB Port

Community Features

Maintenance on site 24 Hour Access Online Services Business Center Storage Space Walk-Up Courtyard Grill Fitness Center Pool

Floor Plan Amenities

Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Satellite TV Storage Space Double Vanities Tub/Shower Sprinkler System Dishwasher Disposal Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Hardwood Floors Vinyl Flooring Built-In Bookshelves Vaulted Ceiling Bay Window Walk-In Closets Double Pane Windows Window Coverings Balcony Patio

Pet Policy

Bringing a pet? Here's what Asheville at Spring Branch 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
$350 Deposit
$20 Monthly Pet Rent
$350 Fee
2 Pet Limit

About Asheville at Spring Branch Apartments

Year Built: 2004
Stories: 3 stories
Units: 336
Phone: (346) 818-3563

From the property listing:

Asheville at Spring Branch is all about luxurious living in Northwest Houston. Our beautiful apartment community features a variety of sophisticated one-bedroom, two-bedroom and three-bedroom apartments. With a resort-style pool and state-of-the-art fitness center on the premises, you’re sure to find the perfect living space to fit your lifestyle needs at our apartments located in the heart of Houston, Texas. Featuring apartment homes with one bedroom, two bedrooms and three bedrooms, Asheville at Spring Branch showcases layouts that are designed to meet your needs and fit your lifestyle.

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 Asheville at Spring Branch Apartments require renters insurance?
We found specific coverage details on Asheville at Spring Branch 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 Asheville at Spring Branch Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Asheville at Spring Branch 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 right around average.
What will I actually pay per month at Asheville at Spring Branch Apartments?
Plan for $1,210 to $2,010/month all-in. That's base rent ($1,120 – $1,920), plus $76/month in required fees (trash, utilities, etc.), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Asheville at Spring Branch Apartments allow pets?
Yes, Asheville at Spring Branch Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $350 Deposit. $20 Monthly Pet Rent. $350 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 Asheville at Spring Branch 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, package lockers, sprinklers — features that can qualify for premium discounts.
What floor plans does Asheville at Spring Branch Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,120 – $1,920. 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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