Houston, TX

Dover Pointe Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Dover Pointe Apartments in Lake Houston Area? Rent here runs $742 – $1,210, 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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14445 Wallisville Rd, Houston, TX 77049

Lake Houston Area

Managed by One Wall Communities Built 1982 2 stories 168 units
3.7/5 ·215 reviews Google
4/5 ·9 reviews Apt. Finder
$742 – $1,210 /month

Monthly Cost Breakdown at Dover Pointe Apartments

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

Total Monthly Cost $757 – $1,225
Base Rent $742 – $1,210
Est. Renters Insurance $15/mo

Renters Insurance at Dover Pointe Apartments

What Affects Your Premium Here

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

Older Building

Built in 1982 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

Dog-Friendly

Dogs allowed — consider higher liability coverage

Water/Leak Issues

3 mentions in Google reviews

FBI UCR

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

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 Dover Pointe Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$15,000 recommended

If you own less

$10,000

If you own more

$25,000

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 Dover Pointe 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%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $14/mo

5 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. Dover Pointe Apartments also has on-site security features (Package service, Gated access) 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.

Water Damage Common topic
3×
Maintenance Issues Mentioned
1×

On-Site Security

Package service Gated access

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$49

Administrative Fee

$50

Pets Fees

Monthly Pet Fee

$70 / mo

One-Time Pet Fee

$300 - $600

Amenities

Special Features

High Speed Internet

Community Features

Clubhouse Pool

Floor Plan Amenities

Washer/Dryer Hookup Fireplace Dishwasher Walk-In Closets Balcony

Pet Policy

Bringing a pet? Here's what Dover Pointe 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
50 lb Weight Limit
2 Pet Limit

About Dover Pointe Apartments

Year Built: 1982
Stories: 2 stories
Units: 168
Management: One Wall Communities
Phone: (346) 277-0294

From the property listing:

Welcome to Dover Pointe apartments in Houston, TX, where ease harmonizes with tranquility. Enjoy peace of mind with gated access and reserved parking, ensuring hassle-free parking. Dive into relaxation at the shimmering swimming pool, perfect for cooling off on hot Texas days. Bask in the sun on the sundeck, creating unforgettable moments with friends in your oasis. We invite you to experience the perfect blend of comfort and leisure at Dover Pointe.Dover Pointe is an apartment community located in Harris County and the 77049 ZIP Code.

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.

Allora New Forest Apartments

Lake Houston Area

$1,142 - $4,235 Ins: ~$13/mo

Ellery Lane Apartments

Lake Houston Area

$1,625 - $2,325 Ins: ~$13/mo

Harper Lake Houston Apartments

Lake Houston Area

$1,012 - $1,844 Ins: ~$13/mo

King's Preserve at Kingwood Apartments

Lake Houston Area

$974 - $1,424 Ins: ~$13/mo

Kings Cove Apartments

Lake Houston Area

$1,009 - $2,181 Ins: ~$12/mo

Lakecrest Village Apartments

Lake Houston Area

$962 - $1,626 Ins: ~$15/mo

Frequently Asked Questions

Does Dover Pointe Apartments require renters insurance?
We didn't find a public insurance requirement for Dover Pointe 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 Dover Pointe Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Dover Pointe Apartments has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Dover Pointe Apartments?
Plan for $757 to $1,225/month all-in. That's base rent ($742 – $1,210), 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 Dover Pointe Apartments allow pets?
Yes, Dover Pointe Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. 50 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 Dover Pointe 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, gated access — features that can qualify for premium discounts.
What floor plans does Dover Pointe Apartments offer?
There are 4 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $742 – $1,210. 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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