Fallbrook Ranch Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Fallbrook Ranch Apartments in Brookhollow/Inwood? Rent here runs $1,050 – $1,480, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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411 West Rd, Houston, TX 77038

Brookhollow/Inwood

Built 2004 2 stories 196 units
4.3/5 ·141 reviews Google
1 review Apt. Finder
$1,050 – $1,480 /month

Monthly Cost Breakdown at Fallbrook Ranch Apartments

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

Total Monthly Cost $1,064 – $1,494
Base Rent $1,050 – $1,480
Est. Renters Insurance $14/mo

Renters Insurance at Fallbrook Ranch Apartments

We found a few insurance details on Fallbrook Ranch Apartments's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
See how your options compare. Get a quote

* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.

One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.

What Affects Your Premium Here

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

Gated Community

Gated access reduces theft risk — may qualify for security discount

Dog-Friendly

Dogs allowed — consider higher liability coverage

FBI UCR

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

What You'll Likely Pay

$14

Est. Monthly

$168

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 Fallbrook Ranch Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

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 Fallbrook 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

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 $13/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. Fallbrook Ranch Apartments also has on-site security features (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.

Maintenance Issues Common topic
Water Damage Mentioned

On-Site Security

Gated

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$40

Pets Fees

Cat Deposit

$250

Dog Deposit

$250

Cat Fee

$300

Dog Fee

$300

Cat Rent

$25 / mo

Dog Rent

$25 / mo

Amenities

Special Features

Lush green landscaping Washer and dryer connections Convenient access to I-45 and Highway 249 2 blocks from West Road Plaza Ample parking Breakfast bar* School bus depot Picnic area with BBQ grill Private yard* 2 bathrooms in every home Community center Fully equipped kitchens Large private patio or balcony Private garage Tile and vinyl plank wood-style flooring 2-story floor plan option Oversized closets Serene pond with fountain

Community Features

Clubhouse Storage Space Grill Picnic Area Pond Pool Playground

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Hookup Ceiling Fans Smoke Free Pantry Kitchen Recreation Room Window Coverings Balcony Patio Yard

Pet Policy

Bringing a pet? Here's what Fallbrook 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.

Dogs and Cats Allowed
$250 Deposit
$25 Monthly Pet Rent
$300 Fee
2 Pet Limit

About Fallbrook Ranch Apartments

Year Built: 2004
Stories: 2 stories
Units: 196
Phone: (346) 545-5754

From the property listing:

Everything you need at home is right here at Fallbrook Ranch Apartments in Houston, TX. Our spacious 2 and 3 bedroom apartments are spread across 19 separate buildings, making these garden-style apartments feel more like spacious private condos. Inside, Fallbrook Ranchs pet-friendly apartments average more than 1,000 square feet of space, including plenty of storage in the shape of a kitchen pantry, an oversized closet, and dedicated storage closet on the private patio or balcony.

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.

Frequently Asked Questions

Does Fallbrook Ranch Apartments require renters insurance?
We found specific coverage details on Fallbrook Ranch Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Fallbrook Ranch Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Fallbrook Ranch 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 Fallbrook Ranch Apartments?
Plan for $1,064 to $1,494/month all-in. That's base rent ($1,050 – $1,480), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Fallbrook Ranch Apartments allow pets?
Yes, Fallbrook Ranch Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $250 Deposit. $25 Monthly Pet Rent. $300 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.
How safe is the area around Fallbrook Ranch 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 gated — features that can qualify for premium discounts.
What floor plans does Fallbrook Ranch Apartments offer?
There are 3 floor plans to choose from, spanning 2-bedroom, 3-bedroom layouts. Rent ranges from $1,050 – $1,480. 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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