Renters Insurance at Houston House Apartments
We found a few insurance details on the Houston House Apartments website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* 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 Houston House Apartments can push your insurance cost up or down:
Older Building
Built in 1966 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
FBI UCR
Property crime rate: 4013/100K (154% above national average)
What You'll Likely Pay
$19
Est. Monthly
$229
Est. Annual
$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 Houston House Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
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 Houston House Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $120/yr |
| USAA | $11/mo | $135/yr |
| State Farm | $15/mo | $180/yr |
| Progressive | $16/mo | $195/yr |
| Safeco | $16/mo | $195/yr |
| Travelers | $18/mo | $210/yr |
| Allstate | $19/mo | $225/yr |
| Nationwide | $19/mo | $225/yr |
| Farmers | $20/mo | $240/yr |
| Liberty Mutual | $23/mo | $270/yr |
Discounts You May Qualify For
Next Step
See if you can beat $19/mo
5 discounts may apply here. Real quotes show your actual price — estimates can't.
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
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
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. Houston House Apartments also has on-site security features (Package service, Property manager on site, Concierge, Controlled access, Doorman, Covered parking, On site maintenance) 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.
What residents talk about most
Security
A recurring concern in reviews
“The views are to die for but not worth the unprofessionally, poorly maintained, just poor everything: from the lack of security to the laundry room and the other “amenities”.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The natural-hazard picture for renters at this address is straightforward: flood risk is low and earthquake shaking isn't a meaningful concern, but Harris County sees real severe-weather activity — NOAA tallies roughly 22 severe weather events a year. The good news is that's exactly the kind of damage a standard renters policy is designed to handle. The section below walks through the local weather record.
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
Low seismic hazard · ground motion 0.03g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 22 severe-weather events a year in Harris County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Harris County. Counts reflect reported events, not damage amounts.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
1617 Fannin St, Houston, TX 77002
Downtown Houston
Monthly Cost Breakdown at Houston House Apartments
The listed rent isn't the whole number. Here's what Houston House Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Houston House Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Services - Hauling
Amount for shared trash/waste services.
Trash Services - Doorstep
Amount for doorstep trash removal from rental home.
Utility - Gas Administrative Fee
Amount to manage gas billing.
Pest Control Services
Amount for pest control services.
Internet Services
Amount for internet services provided by community.
Drainage Fee
Usage-Based (Utilities).Amount for local programs that mitig ate flooding, erosion, and water pollution.
Utility - Electric
Usage-Based (Utilities).Amount for provision and consumption of electricity.
Utility - Gas
Usage-Based (Utilities).Amount for provision and consumption of natural gas.
Utility - Water/Wastewater Submeter Admin Fee
Amount for water billing services calculated as a percentage of consumption as allowed by regulation.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services
Security Deposit Alternative
Amount for alternate program in lieu of paying a traditional security deposit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market.
Pets Fees
Pet Fee
Amount to facilitate authorized pet move-in.
Pet Rent
Monthly amount for authorized pet.
Pet Management - Third Party
Amount for authorized pet registration and screening service s.
Parking Fees
Parking Fee
Amount for parking space/services. May be subject to availab ility.
Optional Add-On Fees
Cleaning Services
Amount for cleaning services.
Situational Fees
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person.
Payment Services - Alternative
Amount for using a third party rent payment installment prog ram (i.e. Flex, Jetty Rent).
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy
Trash Container - Replacement
Amount to replace trash/waste container.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes.
Returned Payment Fee (NSF)
Amount for returned payment.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges.
Insufficient Move-Out Notice Fee
Amount for not providing notice to move-out as required by l ease.
Reletting Fee
Marketing fee related to early lease termination; excludes r ent and other charges.
Late Fee
Amount for paying after rent due date; per terms of lease.
Pet/Animal - Lease Violation
Amount for violation of community policies related to pet or assistance animal.
Lease Violation
Amount for violation of community policies and/or per lease terms.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations.
Payment Services - Third Party
Amount for using a third party, electronic payment processin g service (i.e. credit card, ACH, etc.).
Pet Policy
Bringing a pet? Here's what Houston House 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.
About Houston House Apartments
From the property listing:
Each amenity at Houston House is designed to awe and to redefine the meaning of rental living - like our full-size basketball court and 24-hour state-of-the-art fitness center. If our amenities don't elevate this landmark dwelling to a new level of modernity, then our ageless 360-degree view will. Stop by today and experience our fully re-imagined mid-century lobby and revel in its historic designer roots - instantly understand why you can't help but desire to call Houston House your new home.
Frequently Asked Questions
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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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