2300 Richmond Ave, Houston, TX 77098
Greenway-Upper Kirby
Monthly Cost Breakdown at Instrata Upper Kirby Apartments
The listed rent isn't the whole number. Here's what Instrata Upper Kirby Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Instrata Upper Kirby Apartments
We found a few insurance details on Instrata Upper Kirby Apartments's 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 Instrata Upper Kirby 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 Instrata Upper Kirby Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
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 Instrata Upper Kirby Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $101/yr |
| USAA | $9/mo | $113/yr |
| State Farm | $13/mo | $151/yr |
| Progressive | $14/mo | $164/yr |
| Safeco | $14/mo | $164/yr |
| Travelers | $15/mo | $176/yr |
| Allstate | $16/mo | $189/yr |
| Nationwide | $16/mo | $189/yr |
| Farmers | $17/mo | $202/yr |
| Liberty Mutual | $19/mo | $227/yr |
Discounts You May Qualify For
Next Step
See if you can beat $13/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. Instrata Upper Kirby Apartments also has on-site security features (Property manager on site, Gated, Gated access) 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.
On-Site Security
Fees Beyond Rent
These are the additional charges beyond base rent at Instrata Upper Kirby Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Beecher Carlson Insurance
Beecher Carlson Insurance
Amenity Fee
Resident Service Fee (Pest Control/Valet Trash)
Administrative Fee
Administrative Fee
Application Fee
Application Fee
Pets Fees
Pet Fees Or Charges
Non-Refundable Pet Fee - Cat
Pet Rent
Pet Rent - Per Pet - Cat
Parking Fees
Parking Level 1 - Parking
Parking Level 1 - Parking
Parking Level 2 - Parking
Parking Level 2 - Parking
Addons Fees
Carpet Cleaning/Repair Damage Charges
Carpet Cleaning/Repair Damage Charges
Carpet Replacement Damage Charges
Carpet Replacement Damage Charges
Cleaning Damage Charges
Cleaning Damage Charges
Other Damage Charges
Interior Damage Charges
Paint Damage Charges
Paint Damage Charges
Trash Service
Final Trash
Electricity Charges
Final electric
Gas Charges
Final Gas
Water Reimbursement
Final Water
Keys/Locks
Replacement keys - $5/each
Situational Fees
NSF Check Fee
NSF Check Fee
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Instrata Upper Kirby 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 Instrata Upper Kirby Apartments
From the property listing:
Upper Kirby Apartments blend upscale comfort with an unbeatable location. Inside your renovated one- or two-bedroom home, enjoy quartz countertops, stainless-steel appliances, wood-plank flooring, and the ease of in-unit laundry. Step outside and unwind in beautifully landscaped courtyards, take a dip in the pool, or work up a sweat in the fully equipped fitness center and spin room. With a pet park, EV charging stations, and gated access, Upper Kirby Apartments are designed to match the way Houstonians live today: effortlessly and exceptionally.
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.
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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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