Mirabella Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Mirabella Apartments in Southeast Houston? Rent here runs $1,217 – $2,106, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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12055 Sabo Rd, Houston, TX 77089

Southeast Houston

Managed by Greystar Built 2002 3 stories 240 units
4.3/5 ·170 reviews Google
5/5 ·64 reviews Apt. Finder
$1,217 – $2,106 /month

Monthly Cost Breakdown at Mirabella Apartments

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

Total Monthly Cost $1,281 – $2,170
Base Rent $1,217 – $2,106
Required Monthly Fees $50
Est. Renters Insurance $14/mo

Renters Insurance at Mirabella Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Mirabella 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

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 Mirabella 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

Pool on premises — higher liability recommended for accidents at shared amenities

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Mirabella 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%
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

6 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. Mirabella Apartments also has on-site security features (Package service, Controlled access, Gated, Package lockers, Covered parking) 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

On-Site Security

Package service Controlled access Gated Package lockers Covered parking

Fees Beyond Rent

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

Required Fees

Environmental Fee

Amount imposed by local jurisdiction related to environmental protection.

$0.21 / mo

Utility - Stormwater/Drainage Admin Fee

Amount to manage drainage billing.

$1.15 / mo

Trash Administrative Fee

Amount to manage trash service billing.

$3 / mo

Security Deposit Alternative

Amount for alternate program in lieu of paying a traditionalsecurity deposit.

$35 / mo

Pest Control Services

Amount for pest control services.

$5 / mo

Package Services

Amount for package services.

$5 / mo

Utility - Water/Sewer

Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services

Varies

Utility - Stormwater/Drainage

Usage-Based (Utilities).Amount for provision of storm water services.

Varies

Trash Services - Hauling

Amount for shared trash/waste services.

Varies

Utility - Electric - Third Party

Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party.

Varies

Renters Liability Insurance - Third Party

Amount for renters liability insurance obtained through resident's provider of choice.

Varies

Administrative Fee

Amount to facilitate move-in process for a resident.

$150

Security Deposit (Refundable)

Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms.

$150 - $350

Application Fee

Amount to process application, initiate screening, and take a rental home off the market.

$75

Pets Fees

Pet Deposit (Refundable)

Amount for pet living in rental home. May be assessed per pet or per rental home, based on lease requirements. Refunds processed per lease terms.

$250

Pet Fee

Amount to facilitate authorized pet move-in.

$350

Pet Rent

Monthly amount for authorized pet.

$15 / mo

Pet Management - Third Party

Amount for authorized pet registration and screening services.

$25 - $30 / yr

Parking Fees

Parking Fee

Amount for covered parking space/services. May be subject to availability.

$35 / mo

Parking Fee

Amount for garage parking space/services. May be subject to availability.

$85 / mo

Addons Fees

Concierge Services

Amount for community concierge services; may be provided by third party.

Varies

Situational Fees

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within community.

$300

Positive Credit Reporting Services

Amount to send positive payment history to credit reporting agency(ies); per person.

$6.95 - $10.95 / mo

Renters Liability Only - Non-Compliance

Amount for not maintaining required Renters Liability Policy

$12 / occurence

Payment Services - Alternative

Amount for using a third party rent payment installment program (i.e. Flex, Jetty Rent).

$14.99 / occurence

Access Device - Replacement

Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes.

$5 - $75 / occurence

Utility - Vacant Processing Fee

Amount for failing to transfer utilities into resident name.

$50 / occurence

Returned Payment Fee (NSF)

Amount for returned payment.

$75 / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; excludes rent and other charges.

200% of base rent / occurence

Reletting Fee

Marketing fee related to early lease termination; excludes rent and other charges.

85% of base rent / occurence

Late Fee

Amount for paying after rent due date; per terms of lease.

9.99% of base rent / occurence

Utility - Vacant Cost Recovery

Usage-Based (Utilities).Amount for utility usage not transferred to resident responsibility any time during occupancy.

Varies

Pet/Animal - Lease Violation

Amount for violation of community policies related to pet orassistance animal.

Varies

Security Deposit - Additional (Refundable)

Additional amount, based on screening results, intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms.

Varies

Lease Violation

Amount for violation of community policies and/or per lease terms.

Varies

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations.

Varies

Insufficient Move-Out Notice Fee

Amount for not providing notice to move-out as required by lease.

Varies

Amenities

Special Features

Balcony or patio with storage closet Complimentary Coffee Bar Enormous walk-in closets Huge walk-in closets Upgraded lighting and hardware 2 Inch wood blinds Outdoor Grilling Convenience Access to I-45 and Beltway 8 Gourmet kitchens with faux granite countertops* High-speed internet and cable ready Spacious floorplans with abundant natural light Amazon Package Lockers Enhanced ceilings with crown molding WiFi Available Carpeted bedrooms Gated Electronic Entrance PISD ( Pasadena Independent School District) Sweeping views of lush landscaping* Large utility room with washer/dryer included

Community Features

Business Center Walk-Up Grill Fitness Center Pool Playground

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Tub/Shower Dishwasher Disposal Granite Countertops Stainless Steel Appliances Kitchen Oven Range Refrigerator Freezer Carpet Crown Molding Walk-In Closets Balcony Patio

Pet Policy

Bringing a pet? Here's what Mirabella Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Pet policies are negotiable.

About Mirabella Apartments

Year Built: 2002
Stories: 3 stories
Units: 240
Management: Greystar
Phone: (832) 835-5965

From the property listing:

Elevated South Houston Living Retreat to an elevated standard of living when you settle into your next home at Mirabella. With contemporary apartments for rent in Houston, TX, Mirabella sets the tone for an inspired lifestyle. Whether you’re spreading out in one of the expansive floor plans or exploring the community rich with resort-inspired amenities, discover a life surrounded by convenience and style.

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.

Frequently Asked Questions

Does Mirabella Apartments require renters insurance?
We didn't find a public insurance requirement for Mirabella Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and 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 Mirabella Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Mirabella 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 Mirabella Apartments?
Plan for $1,281 to $2,170/month all-in. That's base rent ($1,217 – $2,106), plus $50/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 Mirabella Apartments allow pets?
Pet policies at Mirabella Apartments are handled on a case-by-case basis — contact the leasing office for details.
How safe is the area around Mirabella Apartments?
Property crime in Houston runs noticeably higher than the national average — 4,013 incidents per 100,000 residents versus the U.S. average of 1,578. 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, gated, package lockers — features that can qualify for premium discounts.
What floor plans does Mirabella Apartments offer?
There are 6 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,217 – $2,106. 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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