3788 Richmond Ave, Houston, TX 77045
Greenway-Upper Kirby
Monthly Cost Breakdown at Pearl Greenway Apartments
The listed rent isn't the whole number. Here's what Pearl Greenway Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Pearl Greenway Apartments
We found a few insurance details on Pearl Greenway 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 Pearl Greenway 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
FBI UCR
Property crime rate: 4013/100K (154% above national average)
What You'll Likely Pay
$15
Est. Monthly
$185
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 Pearl Greenway 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 Pearl Greenway 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 $15/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.
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.
Fees Beyond Rent
These are the additional charges beyond base rent at Pearl Greenway 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
Pet Deposit
Monthly Pet Fee
One-Time Pet Fee
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Pearl Greenway 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 Pearl Greenway Apartments
From the property listing:
Pearl Greenway offers a selection of one and two bedroom apartments range from 650 to 1,719 square feet of wide open space. High-end features include open gourmet kitchens with custom designs and stainless steel appliances, private patios and balconies, large bedrooms with walk-in closets, and laundry rooms with full-size washers and dryers. Some floor plans offer unique features such as giant floor to ceiling windows, private studies, half-baths, built-in computer desks, and separate stand-up showers and garden tubs
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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Arrive Upper Kirby Apartments
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Instrata Upper Kirby Apartments
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Marq 31 Apartments
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Metropole Apartments
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ReNew Greenway Apartments
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Frequently Asked Questions
Does Pearl Greenway Apartments require renters insurance?
How much is renters insurance at Pearl Greenway Apartments?
What will I actually pay per month at Pearl Greenway Apartments?
Does Pearl Greenway Apartments allow pets?
How safe is the area around Pearl Greenway Apartments?
What floor plans does Pearl Greenway Apartments offer?
Get Renters Insurance for Pearl Greenway Apartments
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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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