Filament Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Filament Apartments in Southwest Houston? Rent here runs $1,372 – $2,866, and renters insurance adds about $12/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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11109 Signal Way, Stafford, TX 77477

Southwest Houston

Managed by ZRS Management Built 2023 4 stories 362 units
4.4/5 ·126 reviews Google
5/5 ·17 reviews Apt. Finder
$1,372 – $2,866 /month

Monthly Cost Breakdown at Filament Apartments

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

Total Monthly Cost $1,623 – $3,117
Base Rent $1,372 – $2,866
Required Monthly Fees $239
Est. Renters Insurance $12/mo

Renters Insurance at Filament Apartments

What Affects Your Premium Here

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

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

FBI UCR

Property crime rate: 2482/100K (57% above national average)

What You'll Likely Pay

$12

Est. Monthly

$147

Est. Annual

$11

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 Filament Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

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 Filament 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%
Controlled access
-3%
Sprinkler system
-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 $11/mo

7 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 Stafford.

Stafford property crime rate

2,482

per 100K residents

57% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
238 / 200
Larceny / theft
1,949 / 1,172
Vehicle theft
296 / 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. Filament Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Sprinklers, Covered parking) that insurers recognize with discounts.

Source: FBI UCR Program, Stafford (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.

Fire Mentioned
1×
Maintenance Issues Mentioned
1×

On-Site Security

Package service Controlled access Property manager on site Gated Sprinklers Covered parking

Fees Beyond Rent

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

Required Fees

Deposit Waiver Min

Deposit Waiver Min

$22 / mo

Amenity Fee

Amenity Fee

$25 / mo

Smart Home Technology

Smart Home

$25 / mo

Trash Reimb

Trash

$30 / mo

PEST

Pest

$5 / mo

Technology Fee

Internet

$66.3 / mo

Administrative Fee

Amount to facilitate move-in process for a resident.

$250

Application Fee

Amount to process application, initiate screening, and take a rental home off the market.

$75

Pets Fees

Pet Fees Or Charges

Pet Fee - Cat

$425

Pet Rent

Pet Rent - Cat

$20 / mo

Parking Fees

Garage - Parking

Garage - Parking

$250 / mo

Reserved Parking Charges

Carport - Parking

$30 / mo

Addons Fees

Administrative Fees

Administrative Fees

$250

Application Fee

Application Fee

$75

Payment Services - Alternative

Amount for using a third party rent payment installment program (i.e. Flex, Jetty Rent).

$14.99 / occurence

Situational Fees

Month To Month Charges

Month to Month

$350

Amenities

Special Features

A2 Adjust A3 Adjust Built In Bookshelf* Walk-in Closets With Custom Shelving Clubroom With Bar And Lounge Yoga Lawn Key Alcove Upon Entry* Oversized Islands* Firepit Wellness Center Bark Park With Training Stations Front Loading Washers And Dryers Luxe Shower With Built-in Spa Seat* Private One Car Garages & Carports* Tanning Deck And Private Cabanas Tree-lined Grove With Outdoor Seating Yoga/spin Study Built In Desk* Dual Vanities* Private Coworking Suites Relaxing Spa Soaking Tub Energy Efficient Appliances Open Shelving In Kitchen Recreational Courtyard Two Different Color Schemes Built In Wine Rack* Decorative Transom Window* Expansive 9' And 10' Ceilings Flex Space With Storage* Open-air Kitchens With Gas Grills Quartz Countertops Smart Home Technology Stainless Steel Appliances Under Cabinet Lighting

Community Features

Community-Wide WiFi Wi-Fi Maintenance on site 24 Hour Access Furnished Units Available Trash Pickup - Door to Door Online Services Planned Social Activities Pet Play Area Pet Washing Station Car Charging Station Key Fob Entry Elevator Business Center Clubhouse Lounge Multi Use Room Storage Space Conference Rooms Cabana Courtyard Grill Fitness Center Pool Gameroom

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Trash Compactor Storage Space Double Vanities Tub/Shower Sprinkler System Framed Mirrors Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Stainless Steel Appliances Pantry Island Kitchen Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Instant Hot Water Quartz Countertops Carpet Tile Floors Vinyl Flooring Built-In Bookshelves Vaulted Ceiling Walk-In Closets Double Pane Windows Balcony Patio Deck Yard Lawn

Pet Policy

Bringing a pet? Here's what Filament 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
$20 Monthly Pet Rent
$425 Fee

About Filament Apartments

Year Built: 2023
Stories: 4 stories
Units: 362
Management: ZRS Management
Phone: (346) 279-1515

From the property listing:

Welcome to Filament, where comfort meets elegance in our exceptional apartments in Stafford, TX. Nestled in a vibrant community, our luxury apartments are designed to cater to your every need, making them the ideal choice for anyone searching for apartments for rent 77477. With air-conditioned corridors and expansive 9’ and 10’ ceilings, you'll feel right at home in an inviting atmosphere that speaks to refined living. Enjoy modern amenities such as a resort-style pool with a tanning deck, private cabanas, and a wellness center equipped with state-of-the-art Matrix fitness equipment.

Other Options Nearby

Still weighing your choices? These communities are in the same part of Stafford — compare rent and estimated insurance cost side by side.

5401 Chimney Rock Apartments

Southwest Houston

$935 - $1,565 Ins: ~$18/mo

6Ten at Med Center Apartments

Southwest Houston

$845 - $1,399 Ins: ~$15/mo

Advenir at The Med Center Apartments

Southwest Houston

$1,059 - $2,099 Ins: ~$15/mo

Aven West Apartments

Southwest Houston

$706 - $1,122 Ins: ~$16/mo

Bankside Village Apartments

Southwest Houston

$854 - $2,218 Ins: ~$16/mo

Beacon at Buffalo Pointe Apartments

Southwest Houston

$1,125 - $3,096 Ins: ~$12/mo

Frequently Asked Questions

Does Filament Apartments require renters insurance?
We didn't find a public insurance requirement for Filament 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 Filament Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). Filament Apartments has security features that qualify for discounts — with those applied, you could pay as little as $11/month. For context, the statewide average is $14/month, so this building is below average.
What will I actually pay per month at Filament Apartments?
Plan for $1,623 to $3,117/month all-in. That's base rent ($1,372 – $2,866), plus $239/month in required fees (trash, utilities, etc.), plus roughly $12/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Filament Apartments allow pets?
Yes, Filament Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $20 Monthly Pet Rent. $425 Fee. 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 Filament Apartments?
Property crime in Stafford runs noticeably higher than the national average — 2,482 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 238/100K here. On the property itself, you'll find package service, controlled access, property manager on site, gated — features that can qualify for premium discounts.
What floor plans does Filament Apartments offer?
There are 26 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,372 – $2,866. 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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