Brays Villa Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 14, 2026

Thinking about renting at Brays Villa Apartments in Southwest Houston? Rent here runs $725 - $1,455, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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10402 Sandpiper Dr, Houston, TX 77096

Southwest Houston

Managed by United Apartment Group Built 1977 2 stories 286 units
4.2/5 ·193 reviews Google
3/5 ·3 reviews Apt. Finder
$725 - $1,455 /month

Monthly Cost Breakdown at Brays Villa Apartments

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

Total Monthly Cost $801 – $1,531
Base Rent $725 – $1,455
Required Monthly Fees $60
Est. Renters Insurance $16/mo

Renters Insurance at Brays Villa Apartments

Accepted Insurance Providers

Brays Villa Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

Sure Kin

What Affects Your Premium Here

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

Older Building

Built in 1977 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

AreaVibes

Crime grade: F

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$16

Est. Monthly

$193

Est. Annual

$15

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 Brays Villa Apartments based on the rent level and building features.

Personal Property Coverage

$30,000 recommended
Low: $15,000 High: $50,000

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 Brays Villa 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%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $15/mo

5 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 Brays Villa 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: Brays Villa Apartments has on-site security features (Gated, Gated access) that insurers recognize with premium discounts.

On-Site Security

Gated Gated access

Fees Beyond Rent

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

Required Fees

Trash Billing

Trash Billing

$10 / mo

Property Liability Fee

Property Liability Fee

$15 / mo

Extermination Fee

Extermination Fee

$5 / mo

Application Fee

Waitlist Application Fee

$20.25

Administrative Fee

Administrative Fee- Waitlist

$49.5

Pets Fees

Pet Fee - One Time Only (Non-Refundable)

Non Refundable Pet Fee - Dog

$300

Pet Rent

Pet Rent - Dog

$25 / mo

Parking Fees

Reserved Parking - Parking

Reserved Parking - Parking

$25 / mo

Addons Fees

Cleaning Charges

Cleaning - Enter Cleaning Damage Description Here

$25

Damage Charges

Damage Charges - Enter Damage Description Here

$25

Extra Keys Or Lock Changes

Extra Keys Or Lock Changes - Enter Description Her

$25

Trash Out

Trash Out - Enter Damage Description Here

$25

Situational Fees

Month to Month Charge

Month to Month Charge

$100

Blind - Damages / Repair / Replace

Blind - Enter damage description here

$25

Carpet - Damages / Repair / Replace

Carpet - Enter Carpet Damage Description Here

$25

Transfer Fee

Transfer Fee

$300

Amenities

Special Features

Gated Community Pet Friendly Close to Bayou Park Rent Special 1

Community Features

Laundry Facilities

Floor Plan Amenities

Smoke Free

Pet Policy

Bringing a pet? Here's what Brays Villa 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.

  • Other Pets Allowed

About Brays Villa Apartments

Indulge in prestige living at Brays Villas, where every comfort awaits in the heart of Houston, Texas. With a prime location near Brays Bayou, Braeburn Country Club, and major interstates, enjoy effortless access to the city's finest amenities. Elevate your lifestyle with upscale shopping, gourmet dining, and entertainment hot spots, all within reach in prestigious Harris County.Discover opulence in our one, two, or three-bedroom apartments for rent. Revel in stainless steel appliances, walk-in closets, and central air conditioning. With pet-friendly living and premier amenities, indulge in refined living.Experience deluxe living at Brays Villas, where we offer Affordable Housing Options and amenities that cater to your comfort. From on-call maintenance to guest parking, convenience is paramount. Relax by the pool, entertain in our barbecue area, or let your furry friend roam in our dedicated pet area—all while receiving exceptional service from our dedicated team. Visit Brays Villas apartments in Houston, TX, today and discover the epitome of upscale living.

Year Built: 1977
Stories: 2
Total Units: 286
Management: United Apartment Group
Phone: (346) 245-5260

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 Brays Villa Apartments require renters insurance?
We didn't find a public insurance requirement for Brays Villa 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 Brays Villa Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). Brays Villa Apartments has security features that qualify for discounts — with those applied, you could pay as little as $15/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Brays Villa Apartments?
Plan for $801 to $1,531/month all-in. That's base rent ($725 - $1,455), plus $60/month in required fees (trash, utilities, etc.), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Brays Villa Apartments allow pets?
Yes, Brays Villa Apartments is pet-friendly. Here are the details: Other Pets Allowed. 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 Brays Villa 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 gated, gated access — features that can also qualify you for insurance discounts.
What floor plans does Brays Villa Apartments offer?
There are 8 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $725 - $1,455. 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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