Ivy Lofts: Renters Insurance Guide & What It Actually Costs

Last updated Mar 29, 2026

Thinking about renting at Ivy Lofts in Pearland? This community requires renters insurance before you can sign a lease, and with rent at $1,245 - $2,425, you'll want to know exactly what that adds to your monthly bill. We estimate coverage here runs about $14/mo — below we break down the lease requirements, compare carriers, and show you how to get the best rate.

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1466 Ivy Park Ter, Pearland, TX 77047

Pearland

Managed by Sueba USA Corporation Built 2023 4 stories 335 units
4/5 ·1 reviews
$1,245 - $2,425 /month

Monthly Cost Breakdown at Ivy Lofts

The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at Ivy Lofts is higher than the sticker price. Here's the full picture.

Total Monthly Cost $1,439 – $2,619
Base Rent $1,245 – $2,425
Required Monthly Fees $180
Est. Renters Insurance $14/mo

What You Need to Know About Insurance at Ivy Lofts

Renters Insurance Required

Ivy Lofts requires tenants to carry renters insurance. Minimum liability: $100,000. You must name the property as an interested party on your policy.

What Your Lease Requires

These are the specific insurance requirements Ivy Lofts spells out in the lease. Getting these right upfront saves you a headache at move-in.

Liability Coverage (minimum) $100,000

Accepted Insurance Providers

Ivy Lofts accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

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From the Ivy Lofts Website

AM I REQUIRED TO HAVE RENTERS INSURANCE?

Yes. You are required to obtain a liability policy with coverage of $100,000.  As a convenience, we have partnered with Homebody. You can enroll online through our portal or by contacting them directly at Homebody.com or 1-877-577-0850.  We strongly encourage you to also obtain a policy that has coverage for your personal belongings.

What Affects Your Premium Here

Every building is different. These factors specific to Ivy Lofts 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

What You'll Likely Pay

$14

Est. Monthly

$169

Est. Annual

$12

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 Ivy Lofts 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 Ivy Lofts:

Carrier Est. Monthly Est. Annual Tier Digital
Lemonade $9 $110 budget Yes
USAA $10 $124 budget —
State Farm $14 $166 mid —
Progressive $15 $179 mid Yes
Safeco $15 $179 mid —
Travelers $16 $193 mid —
Allstate $17 $207 mid —
Nationwide $17 $207 mid —
Farmers $18 $221 premium —
Liberty Mutual $21 $248 premium —

Discounts You May Qualify For

Gated community

Up to 5% off

Controlled access

Up to 3% off

Sprinkler system

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 extra charges Ivy Lofts tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Community Fee

$45 / mo

Application Fee Per Applicant

$70

Administrative Fee

$175

Pets Fees

One-Time Pet Fee

$250

Pet Deposit

$250

Monthly Pet Fee

$25 / mo

Monthly Pet Fee

$25

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 Ivy Lofts.

On-Site Security

Package service Controlled access Gated Doorman Sprinklers

Amenities

Special Features

42" High Kitchen Cabinets with Brushed Nickel Accents Bike Storage with Repair Station Chef Inspired Kitchens with Under-Mount Sinks and Glass Tile Backsplashes Custom Granite Countertops Throughout Island with wine rack and conversational seating (select plans) Luxurious bathrooms with custom framed mirrors Modern Lighting and Contemporary Accents Open plans with 9'-12' ceilings (varies by floor level/plan) Other Oversized Soaking Tubs and Walk-in Showers (varies by floor plan) Patio or balcony (select plans) Spacious closets Stainless steel appliance package Starbucks Coffee Bar Under Cabinet Lighting (select plans)

Community Features

Wi-Fi 24 Hour Access Trash Pickup - Door to Door Renters Insurance Program Online Services Planned Social Activities Pet Washing Station Elevator Business Center Clubhouse Lounge Multi Use Room Breakfast/Coffee Concierge Storage Space Conference Rooms Cabana Courtyard Grill Pond Fitness Center Hot Tub Pool Bicycle Storage Gameroom

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Storage Space Tub/Shower Sprinkler System Framed Mirrors Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Refrigerator Freezer Hardwood Floors Tile Floors Vinyl Flooring Dining Room High Ceilings Vaulted Ceiling Views Walk-In Closets Double Pane Windows Window Coverings Large Bedrooms Balcony Patio

Pet Policy

Bringing a pet? Here's what Ivy Lofts 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
  • $250 Fee
  • 99 lb Weight Limit
  • 2 Pet Limit

About Ivy Lofts

Welcome to Ivy Lofts. This new development, located in the Pearland area offers both luxury and convenience. We offer a variety of floor plans to choose from, including studio, one-, two- options. Our apartments feature walk-in closets, oversized soaking tubs, designer wood-style flooring, and spacious patios. Choose the floor plan that suits your needs and enjoy comfortable living at Ivy Lofts Apartments.

Year Built: 2023
Stories: 4
Total Units: 335
Management: Sueba USA Corporation
Phone: (346) 572-5018

Other Options Nearby

Still weighing your choices? These communities are in the same part of Pearland — with their own insurance costs and safety profiles worth comparing.

1010 Waugh Apartments

Montrose

$1,870 - $4,824 Ins: ~$13/mo

1408 Hughes St Apartments

Eastwood

$1,045 Ins: ~$15/mo

1414 Texas Downtown Apartments

Downtown Houston

$1,583 - $2,988 Ins: ~$15/mo

1711 Caroline Apartments

Downtown Houston

$999 - $2,865 Ins: ~$15/mo

1900 Yorktown Tanglewood Apartments

Uptown Houston

$1,765 - $3,110 Ins: ~$13/mo

1903 Portsmouth Apartments

Montrose

$1,145 - $1,705 Ins: ~$17/mo

Frequently Asked Questions

Does Ivy Lofts require renters insurance?
Yes — you'll need an active renters insurance policy to sign a lease at Ivy Lofts. The lease specifies a minimum of $100,000 in liability coverage. You'll need to add the property management as an interested party on your policy, which most carriers can do at no extra charge.
How much is renters insurance at Ivy Lofts?
For this zip code and building type, expect to pay around $14/month ($169/year). Ivy Lofts has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Ivy Lofts?
Plan for $1,439 to $2,619/month all-in. That's base rent ($1,245 - $2,425), plus $180/month in required fees (trash, utilities, etc.), 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 Ivy Lofts allow pets?
Yes, Ivy Lofts is pet-friendly. Here are the details: Dogs and Cats Allowed. $250 Deposit. $25 Monthly Pet Rent. $250 Fee. 99 lb Weight Limit. 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 Ivy Lofts offer?
There are 13 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,245 - $2,425. 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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