Caroline at Memorial Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Caroline at Memorial Apartments in Energy Corridor? Rent here runs $1,289 – $2,781, and renters insurance adds about $12/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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15635 Memorial Dr, Houston, TX 77079

Energy Corridor

Managed by MORGAN Built 2023 4 stories 334 units
3.4/5 ·74 reviews Google
Apt. Finder
$1,289 – $2,781 /month

Monthly Cost Breakdown at Caroline at Memorial Apartments

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

Total Monthly Cost $1,422 – $2,914
Base Rent $1,289 – $2,781
Required Monthly Fees $121
Est. Renters Insurance $12/mo

Renters Insurance at Caroline at Memorial Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Caroline at Memorial 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

FBI UCR

Property crime rate: 4013/100K (154% above national average)

What You'll Likely Pay

$12

Est. Monthly

$147

Est. Annual

$11

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 Caroline at Memorial 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 Caroline at Memorial 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%
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 $11/mo

7 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. Caroline at Memorial Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Doorman, Sprinklers) 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.

Noise Common topic
6×
Maintenance Issues Common topic
4×
Fire Mentioned
1×

On-Site Security

Package service Controlled access Property manager on site Gated Doorman Sprinklers

Fees Beyond Rent

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

Required Fees

INSURANCE-Insurance

$15 / mo

RESSVCS - Resident Svc Fees

$25 / mo

Trash Fee

$27.5 / mo

Pest Control

$4 / mo

Rent Service Fee

$4.75 / mo

Application Fee Per Applicant

$75

Administrative Fee

$150

Pets Fees

Pet Deposit

$250

PETFEE - Non-Refundable Pet Fee

$300

Monthly Pet Fee

$25 / mo

PETRENT - Pet Rent

$25 / mo

One-Time Pet Fee

$300

Addons Fees

PETDEPOSIT - Deposit-Pet

$250

APPFEE - Application Fee

$75

Amenities

Special Features

Backlit LED Mirrors in Bathrooms Electronic Entry Locks Game Lawn Luxury Wood Style Vinyl Flooring Matte Black Fixtures Other Bike Storage Essential Housing Program Private Yards* 9-10 Foot Ceilings Dual Bathroom Vanities* Private Patios and Balconies Under Cabinet Lighting in Kitchen Stainless Appliances Katy I.S.D Schools LED Lighting Separate Bathtub & Shower* Outdoor Group Dinning Area Porcelain Title Surrounds and Bathroom Flooring Tile Backsplash

Community Features

Maintenance on site 24 Hour Access Trash Pickup - Door to Door Planned Social Activities Pet Washing Station Public Transportation Key Fob Entry Wheelchair Accessible Elevator Business Center Clubhouse Lounge Multi Use Room Breakfast/Coffee Concierge Disposal Chutes Conference Rooms Sundeck Courtyard Grill Picnic Area Fitness Center Pool Bicycle Storage Walking/Biking Trails Gameroom Study Lounge

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Trash Compactor Storage Space Double Vanities Tub/Shower Sprinkler System Framed Mirrors Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Stainless Steel Appliances Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Hardwood Floors Vinyl Flooring Dining Room High Ceilings Mud Room Office Built-In Bookshelves Crown Molding Vaulted Ceiling Walk-In Closets Linen Closet Double Pane Windows Window Coverings Large Bedrooms Balcony Patio Yard Lawn

Pet Policy

Bringing a pet? Here's what Caroline at Memorial 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
$250 Deposit
$25 Monthly Pet Rent
$300 Fee
100 lb Weight Limit
2 Pet Limit

About Caroline at Memorial Apartments

Year Built: 2023
Stories: 4 stories
Units: 334
Management: MORGAN
Phone: (346) 214-4116

From the property listing:

Welcome Home to Caroline at Memorial! Our community offers everything you've been looking for in your new home, in the perfect location in Houston, TX. World class shopping and dining are just minutes from your front door. We have an assortment of one and two bedroom apartment homes with modern designs and spacious, open-concept layouts. From the chef-inspired kitchen to the relaxing private patio, you'll love coming home to your new space. Exciting community features include a resort-style pool, exclusive resident clubhouse, and a fully equipped fitness center.

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.

600 Nottingham Apartments

Energy Corridor

$899 - $1,519 Ins: ~$16/mo

7-Seventy Apartments

Energy Corridor

$1,260 - $5,248 Ins: ~$13/mo

Aliso Briar Forest Apartments

Energy Corridor

$1,124 - $2,381 Ins: ~$14/mo

Avana Eldridge Apartments

Energy Corridor

$1,018 - $5,254 Ins: ~$15/mo

Barnett Apartments

Energy Corridor

$1,165 - $1,370 Ins: ~$15/mo

Briar Forest Lofts

Energy Corridor

$980 - $1,785 Ins: ~$13/mo

Frequently Asked Questions

Does Caroline at Memorial Apartments require renters insurance?
We didn't find a public insurance requirement for Caroline at Memorial 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 Caroline at Memorial Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). Caroline at Memorial Apartments has security features that qualify for discounts — with those applied, you could pay as little as $11/month. For context, the statewide average is $14/month, so this building is below average.
What will I actually pay per month at Caroline at Memorial Apartments?
Plan for $1,422 to $2,914/month all-in. That's base rent ($1,289 – $2,781), plus $121/month in required fees (trash, utilities, etc.), plus roughly $12/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Caroline at Memorial Apartments allow pets?
Yes, Caroline at Memorial Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $250 Deposit. $25 Monthly Pet Rent. $300 Fee. 100 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.
How safe is the area around Caroline at Memorial 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, controlled access, property manager on site, gated — features that can qualify for premium discounts.
What floor plans does Caroline at Memorial Apartments offer?
There are 43 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,289 – $2,781. 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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