Fairfield Cove Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Fairfield Cove Apartments in Northwest Houston? Rent here runs $800 – $1,545, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

Get Renters Insurance for Fairfield Cove Apartments

Compare renters insurance quotes in seconds

15615 Blue Ash Dr, Houston, TX 77090

Northwest Houston

Built 1983 3 stories 135 units
4/5 ·160 reviews Google
4/5 ·6 reviews Apt. Finder
$800 – $1,545 /month

Monthly Cost Breakdown at Fairfield Cove Apartments

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

Total Monthly Cost $815 – $1,560
Base Rent $800 – $1,545
Est. Renters Insurance $15/mo

Renters Insurance at Fairfield Cove Apartments

What Affects Your Premium Here

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

Older Building

Built in 1983 — 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

5 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 Fairfield Cove 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 Fairfield Cove 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.

Compare Quotes Free · No account required

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
Houston 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. Fairfield Cove Apartments also has on-site security features (Property manager on site, Gated) 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
5×
Maintenance Issues Mentioned
2×

On-Site Security

Property manager on site Gated

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$50

Administrative Fee

$150

Amenities

Community Features

Laundry Facilities Maintenance on site Clubhouse Walk-Up Grill Fitness Center Pool Playground

Floor Plan Amenities

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

Pet Policy

Bringing a pet? Here's what Fairfield Cove 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
  • $300 Fee
  • 20 lb Weight Limit
  • 2 Pet Limit
  • $300 Deposit

About Fairfield Cove Apartments

Fairfield Cove Apartments offer spacious and exceptional apartments for rent. You can choose from one or two bedroom floor plans with amenities such as central air and heating, an in-home washer and dryer, walk-in closets, hardwood and carpeted floors, and a balcony and patio with a view. Your all-electric kitchen comes with a refrigerator, pantry, dishwasher, and microwave. As a pet-friendly community, your pets can enjoy free pet treats and monthly pet events.

Year Built: 1983
Stories: 3
Total Units: 135
Phone: (832) 626-0384

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.

Altanova Apartments, Houston, TX

Northwest Houston

$849 - $1,359 Ins: ~$16/mo

Brookfield Apartments

Northwest Houston

$775 - $1,435 Ins: ~$15/mo

Carrara at Cypress Creek Apartments

Northwest Houston

$907 - $1,457 Ins: ~$12/mo

Carrington at Champion Forest Apartments

Northwest Houston

$1,306 - $3,112 Ins: ~$14/mo

Carrington Place Apartments

Northwest Houston

$1,050 - $3,336 Ins: ~$14/mo

Champions Centre Apartments

Northwest Houston

$966 - $1,512 Ins: ~$15/mo

Frequently Asked Questions

Does Fairfield Cove Apartments require renters insurance?
We didn't find a public insurance requirement for Fairfield Cove 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 Fairfield Cove Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Fairfield Cove 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 Fairfield Cove Apartments?
Plan for $815 to $1,560/month all-in. That's base rent ($800 – $1,545), 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 Fairfield Cove Apartments allow pets?
Yes, Fairfield Cove Apartments is pet-friendly. Here are the details: Dogs Allowed. $20 Monthly Pet Rent. $300 Fee. 20 lb Weight Limit. 2 Pet Limit. $300 Deposit. 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 Fairfield Cove Apartments?
Property crime in Houston runs noticeably higher than the national average — 4013 incidents per 100,000 residents versus the U.S. average of 1578. 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 property manager on site, gated — features that can qualify for premium discounts.
What floor plans does Fairfield Cove Apartments offer?
There are 12 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $800 – $1,545. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

Get Renters Insurance for Fairfield Cove Apartments

See how much you could save on renters insurance

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.

SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.

Your privacy

We use cookies to run this site, measure how it's used, and support our advertising. See our Privacy Policy for details.