2400 W Dallas St, Houston, TX 77019
Montrose
Monthly Cost Breakdown at Lumen Apartments
The listed rent isn't the whole number. Here's what Lumen Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Lumen Apartments
We found a few insurance details on Lumen 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 Lumen Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Theft Reports
3 mentions in Google reviews
Package Theft
1 mentions in Google reviews
FBI UCR
Property crime rate: 4013/100K (154% above national average)
What You'll Likely Pay
$13
Est. Monthly
$162
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 Lumen Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
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 Lumen Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $106/yr |
| USAA | $10/mo | $119/yr |
| State Farm | $13/mo | $158/yr |
| Progressive | $14/mo | $172/yr |
| Safeco | $14/mo | $172/yr |
| Travelers | $15/mo | $185/yr |
| Allstate | $17/mo | $198/yr |
| Nationwide | $17/mo | $198/yr |
| Farmers | $18/mo | $211/yr |
| Liberty Mutual | $20/mo | $238/yr |
Discounts You May Qualify For
Next Step
See if you can beat $13/mo
4 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. Lumen Apartments also has on-site security features (Concierge, Doorman) 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 Lumen Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Administrative Fee
Pets Fees
Cat Fee
Dog Fee
Cat Rent
Dog Rent
Amenities
Special Features
Community Features
Floor Plan Amenities
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Lumen Apartments.
Grocery
- Whole Foods Market 4.4
- H-E-B 4.6
- Kroger 3.9
Pharmacy
- CVS Pharmacy 3.4
- CVS 2.4
- Scott Read Pharmacy | Affordable Generic Drug Store in Houston 4.5
Hospital
- Montrose Emergency Room - 24 Hours ER Houston 4.7
- HCA Houston ER 24/7 - Montrose 4.8
- Swift Star ER: River Oaks Emergency Room 4.4
Gym
- The Houstonian Hotel, Club & Spa 4.6
- Retro Fitness 4.1
- EōS Fitness 4.3
Restaurant
- The Houstonian Hotel, Club & Spa 4.6
- Katami 4.7
- La Griglia 4.3
Park
- Lee and Joe Jamail Skatepark 4.6
- Sabine Street Bridge 4.7
- Nau Family Pavilion 4.8
Bank
- Chase Bank 3.8
- ATM (ATM Link, Inc.) 5.0
- Lumen 3.8
Gas
- C-Store 1.9
- Timewise 1.0
Pet Policy
Bringing a pet? Here's what Lumen 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 Lumen Apartments
From the property listing:
Near the middle of Houstons sprawling urban landscape is Lumen, an elevated residence for those who want to live a little brighter. Shop, dine, and illuminate your senses, all within a few minutes from your home. Any lifestyle can shine at Lumen, whether youre the urbanite, the cultured socialite, the local trendsetter, or someone who just likes the city lights. Its brilliant, its radiant, and its in the center of it all.
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.
1010 Waugh Apartments
Montrose
1903 Portsmouth Apartments
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1919 Portsmouth Apartments
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2900 West Dallas Apartments
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299 West Gray Apartments
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3602 Garrott St Houston, TX, 77006 Apartments
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Frequently Asked Questions
Does Lumen Apartments require renters insurance?
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What will I actually pay per month at Lumen Apartments?
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What floor plans does Lumen Apartments offer?
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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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