Renters Insurance at Avana Sugar Land Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Avana Sugar Land Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
Pest Issues
5 mentions in Google reviews
FBI UCR
Property crime rate: 1258/100K (20% below 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 Avana Sugar Land Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
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 Avana Sugar Land 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
Next Step
See if you can beat $13/mo
6 discounts may apply here. Real quotes show your actual price — estimates can't.
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 Sugar Land.
Sugar Land property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in Sugar Land track closely with national baselines. Avana Sugar Land Apartments also has on-site security features (Package service, Controlled access, Sprinklers, Perimeter fencing) that insurers recognize with discounts.
Source: FBI UCR Program, Sugar Land (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.
What residents talk about most
Security
A recurring concern in reviews
“In 2024 alone, there have been at least five incidents of car tire theft in the parking lot, and unfortunately, management has not taken any substantial steps to address the issue.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Renters here aren't dealing with the rarer natural-disaster exclusions — flood risk is low at the address and earthquakes are uncommon. The everyday risk in Harris County is severe weather: an average of 22 severe weather events a year per NOAA. Wind, hail, and storm-driven damage to personal property are covered by a typical renters policy, which is what makes the coverage worth carrying.
Earthquake shaking
USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.
Low seismic hazard · ground motion 0.03g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's records put Harris County squarely in severe-weather territory: roughly 22 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Harris County. Counts reflect reported events, not damage amounts.
The natural-hazard picture is favorable enough that a baseline renters policy is the right end-state for most renters here. No upgrade required.
Fees Beyond Rent
These are the additional charges beyond base rent at Avana Sugar Land Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Stormwater/Drainage Admin Fee
Amount to manage drainage billing.
Trash Administrative Fee
Amount to manage trash service billing.
Trash Services - Doorstep
Amount for doorstep trash removal from rental home.
Pest Control Services
Amount for pest control services.
Package Services
Amount for package services.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice.
Municipality Fee
Amount imposed by local jurisdiction related to code enforce ment and local ordinances.
Trash Services - Hauling
Amount for shared trash/waste services.
Utility - Water/Wastewater Submeter Admin Fee
Amount for water billing services calculated as a percentage of consumption as allowed by regulation.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services
Utility - Stormwater/Drainage
Usage-Based (Utilities).Amount for provision of storm water services.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party.
Security Deposit Alternative
Amount for alternate program in lieu of paying a traditional security deposit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms.
Access Device
Amount to obtain an access device for community; fobs, keys, remotes, access passes.
Pets Fees
Pet Deposit (Refundable)
Amount for pet living in rental home. May be assessed per pe t or per rental home, based on lease requirements. Refunds processed per lease terms.
Pet Fee
Amount to facilitate authorized pet move-in.
Pet Rent
Monthly amount for authorized pet.
Parking Fees
Parking Fee
Amount for garage parking space/services. May be subject to availability.
Parking Fee
Amount for covered parking space/services. May be subject t o availability.
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram.
Cable TV Services
Amount for cable services in rental home.
Situational Fees
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy
Trash Container - Replacement
Amount to replace trash/waste container.
Lease Violation - Trash
Amount for violation of waste-related community policies.
Returned Payment Fee (NSF)
Amount for returned payment.
Access/Lock Change Fee
Amount to change or reprogram access to rental home.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges.
Reletting Fee
Marketing fee related to early lease termination; excludes r ent and other charges.
Late Fee
Amount for paying after rent due date; per terms of lease.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transfe rred to resident responsibility any time during occupancy.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to b e held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms.
Pet/Animal - Lease Violation
Amount for violation of community policies related to pet or assistance animal.
Lease Violation
Amount for violation of community policies and/or per lease terms.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations.
Payment Services - Third Party
Amount for using a third party, electronic payment processin g service (i.e. credit card, ACH, etc.).
Payment Services - Alternative
Amount for using a third party rent payment installment prog ram (i.e. Flex, Jetty Rent).
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Avana Sugar Land Apartments.
Grocery
- Asian Market 4.1
- Kroger 4.0
- ALDI 4.3
Pharmacy
- Walgreens Pharmacy 2.0
- Walgreens 2.4
- Kroger Pharmacy 4.2
Hospital
- Sugar Land Emergency Room 4.8
- Houston Methodist Sugar Land Hospital Emergency Room 2.9
- Emergency Room at St. Luke's Health - Sugar Land Hospital - Sugar Land, TX 3.6
Gym
- DexaFit Katy 4.9
- Houston Gym 4.6
- EōS Fitness 4.6
Restaurant
- Bad As Philly 4.8
- Bad Buns 4.8
- Wing Station - Highway 6 4.8
Park
- Cullinan Park 4.6
- Duhacsek Park 4.4
- Eldridge Park 4.6
Bank
- Bank of America ATM 1.0
- Avana Sugar Land Apartments 3.7
- Bank of Texas 4.6
Gas
- Chevron 2.1
- Shell 3.2
- Exxon 3.7
Pet Policy
Bringing a pet? Here's what Avana Sugar Land 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.
About Avana Sugar Land Apartments
From the property listing:
Contact our leasing team for more information, or book a tour today.
Frequently Asked Questions
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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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