Falls at Copper Lake Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 29, 2026

Thinking about renting at Falls at Copper Lake Apartments in Bear Creek/Copperfield? Rent here runs $1,198 - $3,123, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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9140 Hwy 6 N, Houston, TX 77095

Bear Creek/Copperfield

Built 2007 3 stories 374 units
4/5 ·54 reviews
$1,198 - $3,123 /month

Monthly Cost Breakdown at Falls at Copper Lake Apartments

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

Total Monthly Cost $1,211 – $3,136
Base Rent $1,198 – $3,123
Required Monthly Fees $0
Est. Renters Insurance $13/mo

Renters Insurance at Falls at Copper Lake Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Falls at Copper Lake 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

What You'll Likely Pay

$13

Est. Monthly

$160

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 Falls at Copper Lake 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 Falls at Copper Lake Apartments:

Carrier Est. Monthly Est. Annual Tier Buy Online
Lemonade $8 $91 budget Yes
USAA $9 $103 budget —
State Farm $11 $137 mid —
Progressive $12 $148 mid Yes
Safeco $12 $148 mid —
Travelers $13 $160 mid —
Allstate $14 $171 mid —
Nationwide $14 $171 mid —
Farmers $15 $182 premium —
Liberty Mutual $17 $205 premium —

Discounts You May Qualify For

Gated community

Up to 5% 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 additional charges beyond base rent at Falls at Copper Lake Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

$65

Administrative Fee

$225

Pets Fees

Cat Fee

$400

Dog Fee

$400

Cat Rent

$35 / mo

Dog Rent

$35 / mo

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 Falls at Copper Lake Apartments.

On-Site Security

Package service Property manager on site Gated Gated access

Amenities

Special Features

2 Wood Blinds 9 Ceilings with Two-Tone Crown Molding Black Appliances Including Dishwasher Direct-to-Door Package Delivery Garden Tubs Gated Community Grilling Station High-Speed Internet Access In-Home Washer and Dryer Jogging Trails Kitchens with Granite Countertops Oversized Closets Private Balconies and Patios* Stainless Steel Appliances* Surrounded by Copper Lake Upgraded Lighting

Community Features

Maintenance on site Online Services Business Center Clubhouse Walk-Up Sundeck Grill Picnic Area Waterfront Lake Access Pond Fitness Center Hot Tub Pool Walking/Biking Trails Gameroom Media Center/Movie Theatre

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Security System Tub/Shower Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Carpet Tile Floors Dining Room High Ceilings Views Walk-In Closets Loft Layout Window Coverings Large Bedrooms Balcony Patio

Pet Policy

Bringing a pet? Here's what Falls at Copper Lake 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

  • $35 Monthly Pet Rent
  • $400 Fee
  • 2 Pet Limit

About Falls at Copper Lake Apartments

The Falls at Copper Lake pet-friendly apartments in Houston, TX delivers resort-inspired ambiance and natural beauty. Located in a premier area of Houston, our lakeside apartments are surrounded by a four-acre lake and feature jogging trails around the community. Apartment homes include spacious kitchens with granite countertops and custom cabinetry. Extras include designer lighting, oversized closets and an in-home washer and dryer set. Enjoy lifes simple pleasures, our resort-inspired pool overlooking Copper Lake is the perfect spot to kick back and relax. If exercise is on the agenda, you will enjoy jogging trails around our lavishly manicured grounds just steps from your front door. Raining outside? No problem, weve got you covered with our onsite high-impact fitness center. Live at the Falls at Copper Lakes apartments and gain access to all the wonderful community amenities and services we offer.

Year Built: 2007
Stories: 3
Total Units: 374
Phone: (832) 734-5602

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.

Allora Bear Creek Apartments

Bear Creek/Copperfield

$1,374 - $2,018 Ins: ~$13/mo

Alta Grandway Apartments

Bear Creek/Copperfield

$1,324 - $2,252 Ins: ~$12/mo

Arbor Point Apartments

Bear Creek/Copperfield

$950 - $1,699 Ins: ~$15/mo

Arise St. Gregory's Beach Apartments

Bear Creek/Copperfield

$999 - $1,229 Ins: ~$15/mo

Bellrock Market Station Apartments

Bear Creek/Copperfield

$1,168 - $2,536 Ins: ~$13/mo

Colonies Landing Apartments

Bear Creek/Copperfield

$1,039 - $1,419 Ins: ~$15/mo

Frequently Asked Questions

Does Falls at Copper Lake Apartments require renters insurance?
We didn't find a public insurance requirement for Falls at Copper Lake 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 Falls at Copper Lake Apartments?
For this zip code and building type, expect to pay around $13/month ($160/year). Falls at Copper Lake 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 below average.
What will I actually pay per month at Falls at Copper Lake Apartments?
Plan for $1,211 to $3,136/month all-in. That's base rent ($1,198 - $3,123), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Falls at Copper Lake Apartments allow pets?
Yes, Falls at Copper Lake Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $35 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 Falls at Copper Lake Apartments offer?
There are 21 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,198 - $3,123. 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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