Avenue M Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at Avenue M Apartments in Houston? Rent here runs $1,045 - $1,640, 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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1620 Oak Tree Dr, Houston, TX 77080

Houston

Built 2022 3 stories 165 units
1.8/5 ·17 reviews Google
4/5 ·5 reviews
$1,045 - $1,640 /month

Monthly Cost Breakdown at Avenue M Apartments

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

Total Monthly Cost $1,058 – $1,653
Base Rent $1,045 – $1,640
Required Monthly Fees $0
Est. Renters Insurance $13/mo

Renters Insurance at Avenue M Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Avenue M Apartments can push your insurance cost up or down:

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

$13

Est. Monthly

$155

Est. Annual

$12

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 Avenue M 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 Avenue M 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

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 $12/mo

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

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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 Avenue M 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: Avenue M Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, Package lockers) 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 Frequent topic
16×
Noise Common topic
5×
Water Damage Mentioned
2×
Management Issues Mentioned
1×

On-Site Security

Package service Controlled access Property manager on site Gated Package lockers

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$50

Administrative Fee

$100

Pets Fees

One-Time Pet Fee

$300 - $600

Parking Fees

Parking Fee

$25 / mo

Amenities

Special Features

Brushed Nickel Finishes Self-guided Tours Coming Soon Modern Lighting Fixture Pavillion Outdoor Lounge Area Upgraded Cabinetry Full Sized Pantry Smart Controlled Access Community Smart Locks 24 Hour Self-serve Parcel Lockers Certified Energy Efficient Windows Smart Lighting Smart Thermostat Stainless Steel Appliance Package Vaulted Ceilings

Community Features

Maintenance on site 24 Hour Access Trash Pickup - Door to Door Renters Insurance Program Dry Cleaning Service House Sitter Services Laundry Service Maid Service Online Services Planned Social Activities Public Transportation Key Fob Entry Lounge Corporate Suites Courtyard Picnic Area Individual Locking Bedrooms Private Bathroom

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Tub/Shower Framed Mirrors Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Kitchen Microwave Oven Range Refrigerator Quartz Countertops Hardwood Floors Vinyl Flooring Dining Room Walk-In Closets Linen Closet

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Avenue M Apartments.

Grocery

  • 99 Ranch Market 4.4
  • Supermercados Teloloapan # 2 4.4
  • H-E-B 4.6

Pharmacy

  • CVS Pharmacy 4.0
  • Mas Pharmacy Rx LLC 4.1
  • Walgreens Pharmacy 4.2

Hospital

  • Sacred Heart Emergency Center - Emergency Room in Houston, TX 4.8
  • HCA Houston ER 24/7 - Memorial City 4.7
  • Memorial Hermann Memorial City Medical Center Emergency Center 1.5

Gym

  • Houston Gym 4.6
  • Planet Fitness 4.1
  • 24 Hour Fitness 4.1

Restaurant

  • One Shot Pocha 4.7
  • Tree Garden 4.5
  • Seoul Garden 4.5

Park

  • Bendwood Park 4.6
  • Nob Hill Park 4.6
  • Oak Forest Park 4.5

Bank

  • Avenue M at 1620 Oaktree 1.8
  • Bank of Texas 4.3
  • Bank of Texas 4.2

Gas

  • Valero Corner Store 920 4.1
  • SWIFT MART 4.2
  • Phillips 66 4.0

Pet Policy

Bringing a pet? Here's what Avenue M 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

  • $25 Monthly Pet Rent
  • $300 Fee
  • 2 Pet Limit

About Avenue M Apartments

Avenue M @ 1720 Crestdale is what you have been waiting for. Simple, elegant and modern living in the heart of Spring Branch. This newly constructed community offers brand new one and two bedroom floorplans nestled in a quiet neighborhood, yet just a few blocks from the conveniences of City Center and Memorial City mall. Simple living with modern interiors is the goal of Avenue M communities. Granite counters, chic interiors make up these energy efficient apartments! Contact us today to reserve your apartment! Move in's start March 1, 2021 - the first to live, enjoy and love your brand new apartment in the heart of Spring Branch.

Year Built: 2022
Stories: 3
Total Units: 165
Phone: (832) 786-5423

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.

2100 Memorial - 55+ Senior Living Apartments

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7637 Harwin Apartments

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$1,099 - $1,219 Ins: ~$19/mo
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Art House Sawyer Yards Apartments

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$1,435 - $3,726 Ins: ~$13/mo
High Risk

Caldera Apartment Homes

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$795 - $1,490 Ins: ~$15/mo
High Risk

Cali Crossing Apartments

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$879 - $999 Ins: ~$16/mo
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Casa Agave Apartments

Houston

$880 - $1,390 Ins: ~$15/mo
High Risk

Frequently Asked Questions

Does Avenue M Apartments require renters insurance?
We didn't find a public insurance requirement for Avenue M 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 Avenue M Apartments?
For this zip code and building type, expect to pay around $13/month ($155/year). Avenue M Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $14/month, so this building is below average.
What will I actually pay per month at Avenue M Apartments?
Plan for $1,058 to $1,653/month all-in. That's base rent ($1,045 - $1,640), 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 Avenue M Apartments allow pets?
Yes, Avenue M Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $25 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 Avenue M 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 Avenue M Apartments offer?
There are 9 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,045 - $1,640. 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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