Canal Street Flats Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 29, 2026

Thinking about renting at Canal Street Flats Apartments in East End Houston? With rent at $1,143 - $2,146 and renters insurance running about $16/mo, we've put together what you need to know before you sign — including which carriers offer the best rates for this building and what your lease actually requires.

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2104 Canal St, Houston, TX 77003

East End Houston

Managed by Hilltop Residential Built 2007 4 stories 202 units
4/5 ·26 reviews
$1,143 - $2,146 /month

Monthly Cost Breakdown at Canal Street Flats Apartments

The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at Canal Street Flats Apartments is higher than the sticker price. Here's the full picture.

Total Monthly Cost $1,318 – $2,321
Base Rent $1,143 – $2,146
Required Monthly Fees $159
Est. Renters Insurance $16/mo

What You Need to Know About Insurance at Canal Street Flats Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Canal Street Flats 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

What You'll Likely Pay

$16

Est. Monthly

$192

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 Canal Street Flats 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 Canal Street Flats Apartments:

Carrier Est. Monthly Est. Annual Tier Digital
Lemonade $10 $115 budget Yes
USAA $11 $130 budget
State Farm $14 $173 mid
Progressive $16 $187 mid Yes
Safeco $16 $187 mid
Travelers $17 $202 mid
Allstate $18 $216 mid
Nationwide $18 $216 mid
Farmers $19 $230 premium
Liberty Mutual $22 $259 premium

Discounts You May Qualify For

Gated community

Up to 5% off

Controlled access

Up to 3% off

Claims-free (if applicable)

Up to 10% off

Pay-in-full annual

Up to 7% off

Paperless/autopay

Up to 3% off

Multi-policy bundle

Up to 10% off

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Fees Beyond Rent

These are the extra charges Canal Street Flats Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Amenity Fee

$10 / mo

Landlord building protection fee

$18 / mo

Valet Trash

$25 / mo

Pest Control

$5 / mo

Utility Service Fee

$6 / mo

High Speed Internet Access

$65 / mo

Administrative Fee

$150

Application Fee Per Applicant

$65

Pets Fees

Monthly Pet Fee

$20 / mo

One-Time Pet Fee

$400

Parking Fees

Parking Deposit

N/A

Parking Fee

$25 / mo

Parking Fee

N/A / mo

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 Canal Street Flats Apartments.

On-Site Security

Package service Controlled access Property manager on site Gated

Amenities

Special Features

Bark Park Beautiful Views of Downtown Houston Cardio/Barre Room Ceiling Fans Downtown View* Downtown Views Enhanced Hardware Granite/Marble Countertops High Speed Internet Access Outdoor Lounge Area with Cabanas Pool View* Resident Lounge Resort Style Pool Shaker Cabinets Stainless Appliance Package Upgraded Shaker Cabinets Vinyl Plank Flooring Washer & Dryer in Unit

Community Features

Wi-Fi Maintenance on site Trash Pickup - Door to Door Renters Insurance Program Online Services Planned Social Activities Pet Play Area Pet Washing Station Car Charging Station Public Transportation Key Fob Entry Elevator Business Center Clubhouse Lounge Sundeck Cabana Courtyard Grill Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Ceiling Fans Double Vanities Tub/Shower Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Freezer Hardwood Floors Carpet Dining Room Walk-In Closets Patio

Pet Policy

Bringing a pet? Here's what Canal Street Flats 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

  • $20 Monthly Pet Rent
  • $400 Fee
  • 65 lb Weight Limit
  • 2 Pet Limit

About Canal Street Flats Apartments

Welcome to Canal Street Flats where you will find comfort and luxury at its finest. Canal Street Flats is located right in the heart of East Downtown (EaDo) Houston minutes away from Daikin Park and Discovery Green. Whether it's dining with friends and exploring the gardens at POST or riding bikes around Buffalo Bayou, you will not be disappointed by our prime location. With a variety of beautifully designed floor plans to choose from and exceptional amenities such as our spacious fitness studio and resort-style pool, you will be happy to call Canal Street Flats your new home. Come stop by today and see what we have to offer!

Year Built: 2007
Stories: 4
Total Units: 202
Management: Hilltop Residential
Phone: (346) 482-2474

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.

Frequently Asked Questions

Does Canal Street Flats Apartments require renters insurance?
We didn't find a public insurance requirement for Canal Street Flats 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 Canal Street Flats Apartments?
For this zip code and building type, expect to pay around $16/month ($192/year). Canal Street Flats 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 Canal Street Flats Apartments?
Plan for $1,318 to $2,321/month all-in. That's base rent ($1,143 - $2,146), plus $159/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 Canal Street Flats Apartments allow pets?
Yes, Canal Street Flats Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $20 Monthly Pet Rent. $400 Fee. 65 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.
What floor plans does Canal Street Flats Apartments offer?
There are 15 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,143 - $2,146. 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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