Renters Insurance at Cyan Cinco Ranch Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Cyan Cinco Ranch Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Theft Reports
2 mentions in Google reviews
FBI UCR
Property crime rate: 1325/100K (16% below national average)
What You'll Likely Pay
$12
Est. Monthly
$147
Est. Annual
$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 Cyan Cinco Ranch Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
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 Cyan Cinco Ranch 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
Next Step
See if you can beat $12/mo
5 discounts may apply here. Real quotes show your actual price — estimates can't.
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 Richmond.
Richmond property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in Richmond track closely with national baselines. Cyan Cinco Ranch Apartments also has on-site security features (Property manager on site, Covered parking, Alarm ready) that insurers recognize with discounts.
Source: FBI UCR Program, Richmond (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.
What residents talk about most
Maintenance
Consistently positive in reviews
“Even if we need to remind management through the Maintenance app about changes like air filter updates and fire detector battery replacements, those should be scheduled by the…” — Google reviewer
Security
A recurring concern in reviews
“The parking lot has ongoing theft issues, the entry gates are almost always broken which allows anyone to come in, and the hallways are rarely—if ever—cleaned.” — Google reviewer
Management
Consistently positive in reviews
“She’s very friendly and takes cares of any issues we have .” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
From a renters-insurance angle, Cyan Cinco Ranch Apartments doesn't have unusual exposure to the natural hazards that a standard policy excludes — flood risk is low and significant earthquakes are rare here. What renters in Harris County are likely to actually claim against, on the other hand, is severe weather: NOAA records around 22 severe weather events a year locally. Wind, hail, and storm damage to your possessions are all covered by a baseline policy.
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
Low seismic hazard · ground motion 0.03g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 22 severe-weather events a year in Harris County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Harris County. Counts reflect reported events, not damage amounts.
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
21650 FM 1093 Rd, Richmond, TX 77407
Cinco Ranch
Monthly Cost Breakdown at Cyan Cinco Ranch Apartments
The listed rent isn't the whole number. Here's what Cyan Cinco Ranch Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Cyan Cinco Ranch Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Package Delivery Fee
Contact local utility providers to get monthly cost estimate s based on approximate household usage.
Estimated Common Area Maint
Valet Trash
Pest Control Fee
Utility Service Fee
Contact local utility providers to get monthly cost estimate s based on approximate household usage.
Utilities
Contact local utility providers to get monthly cost estimate s based on approximate household usage.
Application Fee
Required security deposit or nonrefundable fee is based on s creening outcome. Required security deposits are eligible for a refund after move-out. Zero upfront and/or deposit alternative options may be available. See agent to learn about all options.
Admin
Required security deposit or nonrefundable fee is based on s creening outcome. Required security deposits are eligible for a refund after move-out. Zero upfront and/or deposit alternative options may be available. See agent to learn about all options.
Security Deposit
Required security deposit or nonrefundable fee is based on s creening outcome. Required security deposits are eligible for a refund after move-out. Zero upfront and/or deposit alternative options may be available. See agent to learn about all options.
Pets Fees
Pet Fee
Large dogs welcome, breed restrictions will apply. Amount va ries based on number of pets, connect with an agent for more details.
Pet Rent
Large dogs welcome, breed restrictions will apply. Amount va ries based on number of pets, connect with an agent for more details.
Parking Fees
Parking Fee
Multiple options available, price will vary. Connect with an agent for details.
Situational Fees
Damage Waiver Program
Residents must have renters liability insurance. Without pro of of renters liability insurance, the resident will be enrolled in the Damage Waiver Program and charged the noted lease fee. This does not provide the individual with insurance coverage.
Pet Policy
Bringing a pet? Here's what Cyan Cinco Ranch 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.
About Cyan Cinco Ranch Apartments
From the property listing:
Theres no place like these homes at Cyan Cinco Ranch Apartments in Richmond, TX. Practically built just for you, our pet-friendly community comes complete with an in-unit washer and dryer, air conditioning, and a patio. As a resident of our community, located near LaCenterra at Cinco Ranch, youll enjoy modern amenities like a fitness center and swimming pool. If youre looking for a conveniently located home, come see why Cyan Cinco Ranch Apartments is more than a place to live its a lifestyle to love.
Frequently Asked Questions
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Disclaimer
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