Colonies Landing Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 29, 2026

Thinking about renting at Colonies Landing Apartments in Bear Creek/Copperfield? Rent here runs $1,039 - $1,419, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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15550 Kingfield Dr, Houston, TX 77084

Bear Creek/Copperfield

Managed by Michael Stevens Interests Built 1984 2 stories 292 units
4/5 ·4 reviews
$1,039 - $1,419 /month

Monthly Cost Breakdown at Colonies Landing Apartments

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

Total Monthly Cost $1,054 – $1,434
Base Rent $1,039 – $1,419
Required Monthly Fees $0
Est. Renters Insurance $15/mo

Renters Insurance at Colonies Landing Apartments

What Affects Your Premium Here

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

Older Building

Built in 1984 — older plumbing/electrical may increase risk

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

$15

Est. Monthly

$176

Est. Annual

$13

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 Colonies Landing 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 Colonies Landing Apartments:

Carrier Est. Monthly Est. Annual Tier Buy Online
Lemonade $8 $96 budget Yes
USAA $9 $108 budget —
State Farm $12 $144 mid —
Progressive $13 $156 mid Yes
Safeco $13 $156 mid —
Travelers $14 $168 mid —
Allstate $15 $180 mid —
Nationwide $15 $180 mid —
Farmers $16 $192 premium —
Liberty Mutual $18 $216 premium —

Discounts You May Qualify For

Gated community

Up to 5% off

Controlled access

Up to 3% off

Sprinkler system

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

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Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$35

Administrative Fee

$37.5

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 Colonies Landing Apartments.

On-Site Security

Package service Controlled access Property manager on site Gated Sprinklers Covered parking

Amenities

Community Features

Laundry Facilities Maintenance on site Business Center Storage Space Walk-Up Sundeck Fitness Center Pool

Floor Plan Amenities

Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Tub/Shower Fireplace Sprinkler System Dishwasher Disposal Pantry Kitchen Microwave Range Refrigerator Carpet Vinyl Flooring Dining Room Vaulted Ceiling Walk-In Closets Window Coverings Patio

Pet Policy

Bringing a pet? Here's what Colonies Landing 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 Allowed

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

About Colonies Landing Apartments

Colonies Landing is nestled in a secluded neighborhood located in West Houston. The best kept secret in the Copperfield, Bear Creek Area!! We are conveniently located between the popular Willow Brook Mall and West Oaks Mall, The Cyfair Medical Center and within the academically acclaimed Cyfair School district. Just minutes from family entertainment, fine dining, scenic parks and major freeways. We offer a resort styled pool, a fully equipped fitness center, internet cafe and much more.

Year Built: 1984
Stories: 2
Total Units: 292
Management: Michael Stevens Interests
Phone: (832) 497-4253

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.

Allora Bear Creek Apartments

Bear Creek/Copperfield

$1,374 - $2,018 Ins: ~$13/mo

Alta Grandway Apartments

Bear Creek/Copperfield

$1,324 - $2,252 Ins: ~$12/mo

Arbor Point Apartments

Bear Creek/Copperfield

$950 - $1,699 Ins: ~$15/mo

Arise St. Gregory's Beach Apartments

Bear Creek/Copperfield

$999 - $1,229 Ins: ~$15/mo

Bellrock Market Station Apartments

Bear Creek/Copperfield

$1,168 - $2,536 Ins: ~$13/mo

Falls at Copper Lake Apartments

Bear Creek/Copperfield

$1,198 - $3,123 Ins: ~$13/mo

Frequently Asked Questions

Does Colonies Landing Apartments require renters insurance?
We didn't find a public insurance requirement for Colonies Landing 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 Colonies Landing Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Colonies Landing Apartments has security features that qualify for discounts — with those applied, you could pay as little as $13/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Colonies Landing Apartments?
Plan for $1,054 to $1,434/month all-in. That's base rent ($1,039 - $1,419), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Colonies Landing Apartments allow pets?
Yes, Colonies Landing Apartments is pet-friendly. Here are the details: Dogs Allowed. $20 Monthly Pet Rent. $400 Fee. 35 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 Colonies Landing Apartments offer?
There are 5 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,039 - $1,419. 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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