Eighteen25 Downtown Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 29, 2026

Thinking about renting at Eighteen25 Downtown Apartments in Downtown Houston? With rent at $1,470 - $3,061 and renters insurance running about $15/mo, we've put together what you need to know before you sign — including which carriers offer the best rates for this building and what your lease actually requires.

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1825 San Jacinto St, Houston, TX 77002

Downtown Houston

Managed by Greystar Built 2017 8 stories 240 units
4/5 ·93 reviews
$1,470 - $3,061 /month

Monthly Cost Breakdown at Eighteen25 Downtown Apartments

The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at Eighteen25 Downtown Apartments is higher than the sticker price. Here's the full picture.

Total Monthly Cost $1,577 – $3,168
Base Rent $1,470 – $3,061
Required Monthly Fees $92
Est. Renters Insurance $15/mo

What You Need to Know About Insurance at Eighteen25 Downtown Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Eighteen25 Downtown Apartments can push your insurance cost up or down:

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$15

Est. Monthly

$184

Est. Annual

$15

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 Eighteen25 Downtown Apartments based on the rent level and building features.

Personal Property Coverage

$50,000 recommended
Low: $30,000 High: $75,000

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 Eighteen25 Downtown Apartments:

Carrier Est. Monthly Est. Annual Tier Digital
Lemonade $10 $120 budget Yes
USAA $11 $135 budget
State Farm $15 $180 mid
Progressive $16 $195 mid Yes
Safeco $16 $195 mid
Travelers $18 $210 mid
Allstate $19 $225 mid
Nationwide $19 $225 mid
Farmers $20 $240 premium
Liberty Mutual $23 $270 premium

Discounts You May Qualify For

Controlled access

Up to 3% 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 extra charges Eighteen25 Downtown Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Utility - Gas Administrative Fee

Amount to manage gas billing.

$1.15 / mo

Boiler Management

Amount for boiler heating/management services.

$16.75 / mo

Trash Services - Doorstep

Amount for doorstep trash removal from rental home.

$25 / mo

Utility - Water/Wastewater Admin Fee

Amount for water billing services calculated as a percentage... Read More of consumption as allowed by regulation. Read Less

$3 / mo

Utility - Stormwater/Drainage Admin Fee

Amount to manage drainage billing.

$3 / mo

Concierge Services

Amount for community concierge services; may be provided by ... Read Morethird party. Read Less

$35 / mo

Pest Control Services

Amount for pest control services.

$5 / mo

Utility - Gas

Usage-Based (Utilities).Amount for provision and consumption... Read More of natural gas. Read Less

Varies

Utility - Electric - Third Party

Usage-Based (Utilities).Amount for provision and consumption... Read More of electric paid to a third party. Read Less

Varies

Utility - Water/Sewer

Usage-Based (Utilities).Amount for provision and/or consumpt... Read Moreion of water and sewer services Read Less

Varies

Renters Liability Insurance - Third Party

Amount for renters liability insurance obtained through resi... Read Moredent's provider of choice. Read Less

Varies

Utility - Water/Wastewater Admin Fee

Amount for water billing services calculated as a percentage... Read More of consumption as allowed by regulation. Read Less

Varies

Utility - Stormwater/Drainage

Usage-Based (Utilities).Amount for provision of storm water ... Read Moreservices. Read Less

Varies

Security Deposit (Refundable)

Amount intended to be held through residency that may be app... Read Morelied toward amounts owed at move-out. Refunds processed per application and lease terms. Read Less

$100 - $200

Application Fee

Amount to process application, initiate screening, and take ... Read Morea rental home off the market. Read Less

$95

Pets Fees

Pet Fee

Amount to facilitate authorized pet move-in.

$400

Pet Rent

Monthly amount for authorized pet.

$25 / mo

Pet Management - Third Party

Amount for authorized pet registration and screening service... Read Mores. Read Less

$20 / yr

Parking Fees

Parking Fee

Amount for parking space/services. May be subject to availab... Read Moreility. Read Less

$50 / mo

Addons Fees

Short Term Rental

Amount for rental home occupancy for a shorter lease term. M... Read Moreay be subject to availability. Read Less

$300 / mo

Common Area/Clubhouse Rental

Amount to rent a shared common area space, including clubhou... Read Morese. May be subject to availability. Read Less

$300 - $600 / occurence

Situational Fees

Reletting Fee

Marketing fee related to early lease termination; excludes r... Read Moreent and other charges. Read Less

85% of base rent

Month-to-Month Fee

Amount, in addition to base rent, for a month-to-month lease... Read More. Read Less

$400 / mo

Positive Credit Reporting Services

Amount to send positive payment history to credit reporting ... Read Moreagency(ies); per person. Read Less

$6.95 - $10.95 / mo

Pet/Animal - Lease Violation

Amount for violation of community policies related to pet or... Read More assistance animal. Read Less

$100 / occurence

Payment Services - Alternative

Amount for using a third party rent payment installment prog... Read Moreram (i.e. Flex, Jetty Rent). Read Less

$14.99 / occurence

Common Area/Clubhouse Deposit (Refundable)

Amount to rent a shared community amenity space. Refund proc... Read Moreessed in accordance with amenity/clubhouse rental agreement. May be subject to availability. Read Less

$300 / occurence

Access Device - Replacement

Amount to obtain a replacement access device for community; ... Read Morefobs, keys, remotes, access passes. Read Less

$5 - $50 / occurence

Trash Container - Replacement

Amount to replace trash/waste container.

$50 / occurence

Utility - Vacant Processing Fee

Amount for failing to transfer utilities into resident name.

$50 / occurence

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within c... Read Moreommunity. Read Less

$500 / occurence

Returned Payment Fee (NSF)

Amount for returned payment.

$75 / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; exclu... Read Moredes rent and other charges. Read Less

200% of base rent / occurence

Insufficient Move-Out Notice Fee

Amount for not providing notice to move-out as required by l... Read Moreease. Read Less

200% of base rent / occurence

Late Fee

Amount for paying after rent due date; per terms of lease.

9.99% of base rent / occurence

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations.

Varies

Utility - Vacant Cost Recovery

Usage-Based (Utilities).Amount for utility usage not transfe... Read Morerred to resident responsibility any time during occupancy. Read Less

Varies

Lease Violation

Amount for violation of community policies and/or per lease ... Read Moreterms. Read Less

Varies

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 Eighteen25 Downtown Apartments.

1%

Houston overall is safer than only 1% of U.S. cities

This is a city-wide stat — your actual neighborhood may differ. The good news: Eighteen25 Downtown Apartments has on-site security features (Package service, Controlled access, Concierge, Doorman, Perimeter fencing) that insurers recognize with premium discounts.

On-Site Security

Package service Controlled access Concierge Doorman Perimeter fencing

Amenities

Special Features

Aerobics & Spin Room Athletic Club Bark Park Billiards Lounge Conference Room Courtyard Patio Dry Cleaning Lockers Electric Car Charging Stations Floor to Ceiling Windows Group Fitness Classes Outdoor Lounge Pet Spa Polished Concrete Flooring Rent adj -$10 Rent adj -$75 Rooftop Lounge Rooftop Pool Social Lounge Work Stations

Community Features

Wi-Fi 24 Hour Access Trash Pickup - Door to Door Recycling Dry Cleaning Service Grocery Service Planned Social Activities Pet Play Area Pet Washing Station Car Charging Station Business Center Clubhouse Lounge Storage Space Conference Rooms Fenced Lot Roof Terrace Cabana Courtyard Grill Fitness Center Pool Gameroom

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Ceiling Fans Cable Ready Storage Space Tub/Shower Framed Mirrors Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Hardwood Floors Dining Room Family Room Crown Molding Vaulted Ceiling Views Walk-In Closets Loft Layout Floor to Ceiling Windows Balcony Patio

Pet Policy

Bringing a pet? Here's what Eighteen25 Downtown 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

  • $25 Monthly Pet Rent
  • $400 Fee
  • 2 Pet Limit

About Eighteen25 Downtown Apartments

*Secure screening process for residents, including background check, verifiable income and credit history required.* Refined and unrivaled, Eighteen25 has been designed to rise above the rest. A myriad of bold and modern featres encompass the entire community, seamlessly blending uber-chic style with comfort and convenience. You will experience a level of personalized serice unlike any other. The amenities and community features at Eighteen25 are eclectic and unique. We strive to exceed every expectation and provide you with the highest quality of living enviroment. Our luxe rooftop pool and outdoor lounge offer breathtaking urban views. Collaborate and stay connected with our state of the art business center. Work hard and play harder in our fitness center with top of the line equipment and yoga classes, hydro massage, and a modern and upscale lounge and game room. Our open loft style apartment homes are architecturally inpired, and provide all of the comforts you'd expect in your new home. Chef inspired kitchens include ample storage space, gas cook top stove, sleek stainless steel appliances, and clean white quartz countertops. Meticulously designed and aesthetically modern features such as polished concrete flooring, tall ceilings and cabinets, and wide open spaces give your home the perfect balanced ambiance for entertaining or unwinding. Luxurious spa style bathrooms with soaking garden tubs welcome you home at the end of a busy day. You define your life and your lifestyle, and we provide you with everything you need to make the most of your living experience. Don't settle for anything less - you deserve this.

Year Built: 2017
Stories: 8
Total Units: 240
Management: Greystar
Phone: (844) 718-2316

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.

Frequently Asked Questions

Does Eighteen25 Downtown Apartments require renters insurance?
We didn't find a public insurance requirement for Eighteen25 Downtown 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 Eighteen25 Downtown Apartments?
For this zip code and building type, expect to pay around $15/month ($184/year). Eighteen25 Downtown Apartments has security features that qualify for discounts — with those applied, you could pay as little as $15/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Eighteen25 Downtown Apartments?
Plan for $1,577 to $3,168/month all-in. That's base rent ($1,470 - $3,061), plus $92/month in required fees (trash, utilities, etc.), 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 Eighteen25 Downtown Apartments allow pets?
Yes, Eighteen25 Downtown Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $25 Monthly Pet Rent. $400 Fee. 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 Eighteen25 Downtown Apartments offer?
There are 32 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,470 - $3,061. 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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