Knox at Shadowlake Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Knox at Shadowlake Apartments in Briar Village? Rent here runs $1,010 – $2,176, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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12360 Richmond Ave, Houston, TX 77082

Briar Village

Built 1999 3 stories 518 units
3.7/5 ·457 reviews Google
5/5 ·11 reviews Apt. Finder
$1,010 – $2,176 /month

Monthly Cost Breakdown at Knox at Shadowlake Apartments

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

Total Monthly Cost $1,215 – $2,381
Base Rent $1,010 – $2,176
Required Monthly Fees $190
Est. Renters Insurance $15/mo

Renters Insurance at Knox at Shadowlake Apartments

According to Knox at Shadowlake Apartments's website, you'll need a renters insurance policy, and the property needs to be named on your policy. This isn't unusual — most Class-A apartment communities have similar requirements because it protects both you and the building if something goes wrong.

Your lease at Knox at Shadowlake Apartments expects

These specifics on your renters policy

Your lease may add more — but these are the details Knox at Shadowlake Apartments publishes publicly. Treat them as the floor, not the ceiling.

Interested party Add Knox at Shadowlake Apartments to your policy as an interested party

The "interested party" wrinkle is easy to miss. When you buy your policy, most carriers have a field during checkout where you add the property — it takes about 30 seconds. Without it, your proof of insurance may get rejected by the leasing office even if your coverage is otherwise fine.

What Affects Your Premium Here

Every building is different. These factors specific to Knox at Shadowlake 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

Theft Reports

2 mentions in Google reviews

FBI UCR

Property crime rate: 4013/100K (154% above national average)

What You'll Likely Pay

$15

Est. Monthly

$176

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 Knox at Shadowlake Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

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 Knox at Shadowlake 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 $13/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 Houston.

Houston property crime rate

4,013

per 100K residents

154% above U.S. avg

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

Breakdown per 100K residents

Burglary
530 / 200
Larceny / theft
2,927 / 1,172
Vehicle theft
555 / 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. Knox at Shadowlake Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Doorman, Sprinklers) 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.

Maintenance Issues Common topic
5×
Theft Mentioned
2×
Management Issues Mentioned
1×

On-Site Security

Package service Controlled access Property manager on site Gated Doorman Sprinklers

Fees Beyond Rent

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

Required Fees

Amenity Fee

Amenity Fee

$15 / mo

LIABILITY WAIVER

Liability Waiver

$15 / mo

Storm Water Reimbursement

Storm Water Reimbursement

$2.55 / mo

Utility Billing Service Fees

Utility Billing Service Fees

$4.45 / mo

Trash Reimbursement

Trash Reimbursement

$43 / mo

Pest Control Reimbursement

Pest Reimbursement

$5 / mo

Cable Reimbursement

Cable Reimbursement

$60 / mo

Administration Fee

Administration Fee

$200

Application Fee

Application Fee

$50

Pets Fees

Pet Fees Or Charges

Pet Fees - Cat

$500

Pet Rent

Pet Rent - Dog

$30 / mo

Parking Fees

Garage - Parking

Garage - Parking

$105 / mo

Carport - Parking

Carport - Parking

$45 / mo

Parking Fee

N/A / mo

Addons Fees

Charges For Cleaning Needed

Charges For Cleaning Needed

$1

Damage Charges

Damage Charges - Carpet Repair

$1

Extra Keys Or Lock Changes

Keys Not Returned

$1

Concession Chargeback

Concession Chargeback

$1

Electric Reimbursement

Final Electric Reimbursement

$1

Access Card/Remote Fees

Remote/Access Card Not Returned

$1

Sewer Reimbursement

Final Sewer Reimbursement

$1

Water Reimbursement

Final Water Reimbursement

$1

Situational Fees

Transfer Fee

Transfer Fee

$500

Amenities

Special Features

2 Inch Faux Wood Blinds 6 inch baseboards 6 Panel Doors Backsplash Black appliances Brushed Nickel Hardware Built-In Computer Desk Carpet in Bedrooms Ceiling Fan Ceiling fan guest bedroom Ceiling fan master bedroom Ceramic tile backsplash Community Grilling Stations Espresso Cabinets Flat White Cabinets Flexible Payment Options Available Full Size Washer & Dryer Full size Washer / Dryer Full size Washer/Dryer Oversized Tubs Pool view Private Balcony and Patios Q Upgrade Quartz Countertops Resurfaced Resurfaced Countertops Stainless steel appliances Storage Space Subway Tile Tile Surround Undermount Sink USB Port Walk in Closets Wi-Fi at the Clubhouse Wood Style Floors *

Community Features

Maintenance on site Trash Pickup - Door to Door Maid Service Online Services Breakfast/Coffee Concierge Storage Space Walk-Up Grill Picnic Area Pond Fitness Center Pool Playground Volleyball Court

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Storage Space Double Vanities Tub/Shower Fireplace Sprinkler System Framed Mirrors Dishwasher Disposal Ice Maker Stainless Steel Appliances Pantry Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Hardwood Floors Carpet Vinyl Flooring Dining Room High Ceilings Crown Molding Walk-In Closets Linen Closet Window Coverings Balcony Patio Deck

Pet Policy

Bringing a pet? Here's what Knox at Shadowlake 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

  • $30 Monthly Pet Rent
  • $500 Fee
  • 2 Pet Limit

About Knox at Shadowlake Apartments

Feel at Home! Live the way you've always wanted without compromising style or quality. At Knox at Shadowlake, our apartment residences are designed with you in mind. Now you really can have it all . . . lifestyle included.

Year Built: 1999
Stories: 3
Total Units: 518
Phone: (346) 251-8622

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.

Broadstone at Briar Forest Apartments

Briar Village

$949 - $1,199 Ins: ~$15/mo

Chandler Park Apartment Homes

Briar Village

$1,029 - $1,814 Ins: ~$15/mo

Delray Apartments

Briar Village

$975 - $2,220 Ins: ~$14/mo

Eclipse Apartments

Briar Village

$950 - $6,047 Ins: ~$14/mo

Haven at Eldridge Apartments

Briar Village

$1,152 - $1,852 Ins: ~$14/mo

Hayden at Enclave Apartments

Briar Village

$895 - $1,515 Ins: ~$15/mo

Frequently Asked Questions

Does Knox at Shadowlake Apartments require renters insurance?
We found specific coverage details on Knox at Shadowlake Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Knox at Shadowlake Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Knox at Shadowlake 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 right around average.
What will I actually pay per month at Knox at Shadowlake Apartments?
Plan for $1,215 to $2,381/month all-in. That's base rent ($1,010 – $2,176), plus $190/month in required fees (trash, utilities, etc.), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Knox at Shadowlake Apartments allow pets?
Yes, Knox at Shadowlake Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $30 Monthly Pet Rent. $500 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.
How safe is the area around Knox at Shadowlake Apartments?
Property crime in Houston runs noticeably higher than the national average — 4013 incidents per 100,000 residents versus the U.S. average of 1578. 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 530/100K 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 Knox at Shadowlake Apartments offer?
There are 11 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,010 – $2,176. 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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