1340 W GRAY St, Houston, TX 77019
Montrose
Monthly Cost Breakdown at Caroline West Gray Apartments
The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at Caroline West Gray Apartments is higher than the sticker price. Here's the full picture.
What You Need to Know About Insurance at Caroline West Gray Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Caroline West Gray Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Dog-Friendly
Dogs allowed — consider higher liability coverage
What You'll Likely Pay
$15
Est. Monthly
$176
Est. Annual
$14
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 West Gray Apartments based on the rent level and building features.
Personal Property Coverage
Liability Coverage
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 West Gray Apartments:
| Carrier | Est. Monthly | Est. Annual | Tier | Digital |
|---|---|---|---|---|
| Lemonade | $9 | $106 | budget | Yes |
| USAA | $10 | $119 | budget | — |
| State Farm | $13 | $158 | mid | — |
| Progressive | $14 | $172 | mid | Yes |
| Safeco | $14 | $172 | mid | — |
| Travelers | $15 | $185 | mid | — |
| Allstate | $17 | $198 | mid | — |
| Nationwide | $17 | $198 | mid | — |
| Farmers | $18 | $211 | premium | — |
| Liberty Mutual | $20 | $238 | premium | — |
Discounts You May Qualify For
Gated community
Up to 5% 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
Compare renters insurance quotes — it's free
Fees Beyond Rent
These are the extra charges Caroline West Gray Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.
Required Fees
Monthly renter insurance
Trash Admin Fee
Pest Control
Application Fee Per Applicant
Administrative Fee
Parking Fees
Parking Fee
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 Caroline West Gray Apartments.
On-Site Security
Amenities
Special Features
Community Features
Floor Plan Amenities
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Caroline West Gray Apartments.
Grocery
- Whole Foods Market 4.4
- Kroger 3.9
Pharmacy
- Walgreens Pharmacy 2.6
- CVS Pharmacy 3.4
- Walgreens 2.5
Hospital
- Montrose Emergency Room - 24 Hours ER Houston 4.7
- HCA Houston ER 24/7 - Montrose 4.8
- Swift Star ER: River Oaks Emergency Room 4.4
Gym
- DexaFit Katy 4.9
- Houston Gym 4.6
- EōS Fitness 4.3
Restaurant
- Cafe Express River Oaks 4.7
- Hudson House 4.6
- Lost & Found 4.8
Bank
- Bank of America (with Drive-thru ATM) 2.2
- Chase Bank 3.8
- Wells Fargo Bank 3.0
Gas
- C-Store 1.9
- Timewise 1.0
Pet Policy
Bringing a pet? Here's what Caroline West Gray 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
About Caroline West Gray Apartments
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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.
1010 Waugh Apartments
Montrose
1903 Portsmouth Apartments
Montrose
1919 Portsmouth Apartments
Montrose
2900 West Dallas Apartments
Montrose
299 West Gray Apartments
Montrose
3602 Garrott St Houston, TX, 77006 Apartments
Montrose
Frequently Asked Questions
Does Caroline West Gray Apartments require renters insurance?
How much is renters insurance at Caroline West Gray Apartments?
What will I actually pay per month at Caroline West Gray Apartments?
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What floor plans does Caroline West Gray Apartments offer?
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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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