1920 W Gray St, Houston, TX 77019
Montrose
Monthly Cost Breakdown at Plaza At River Oaks Apartments
The listed rent isn't the whole number. Here's what Plaza At River Oaks Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Plaza At River Oaks Apartments
We found a few insurance details on Plaza At River Oaks 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 Plaza At River Oaks Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
FBI UCR
Property crime rate: 4013/100K (154% above national average)
What You'll Likely Pay
$16
Est. Monthly
$194
Est. Annual
$15
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 Plaza At River Oaks 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
Standard minimum for most lease requirements in Texas
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Plaza At River Oaks 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
5 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. Plaza At River Oaks Apartments also has on-site security features (Gated) 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 Plaza At River Oaks Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Stormwater/Drainage
Amount for provision of storm water services.
Pest Control Services
Amount for pest control services.
Trash Services - Hauling
Amount for shared trash/waste services.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice.
Administrative Fee
Amount to facilitate move-in process for a resident.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market.
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.
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.
Pet Fee
Amount to facilitate authorized pet move-in.
Pet Rent
Monthly amount for authorized pet.
Pet Management - Third Party
Amount for authorized pet registration and screening services.
Situational Fees
Month-to-Month Fee
Amount, in addition to base rent, for a month-to-month lease
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person.
Payment Services - Alternative
Amount for using a third party rent payment installment program (i.e. Flex, Jetty Rent).
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name.
Returned Payment Fee (NSF)
Amount for returned payment.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; excludes rent and other charges.
Reletting Fee
Marketing fee related to early lease termination; excludes rent and other charges.
Late Fee
Amount for paying after rent due date; per terms of lease.
Lease Violation
Amount for violation of community policies and/or per lease terms.
Payment Services - Third Party
Amount for using a third party, electronic payment processing service (i.e. credit card, ACH, etc.).
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transferred to resident responsibility any time during occupancy.
Pet/Animal - Lease Violation
Amount for violation of community policies related to pet orassistance animal.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Plaza At River Oaks Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Plaza At River Oaks Apartments
From the property listing:
We are now accepting in-person and self-guided tours via scheduled appointments only. Our virtual tours are also available. Please schedule yours today. Call us today for more information! The Plaza at River Oaks is ideally situated on West Gray between Shepherd and Montrose. A prestigious River Oaks location in the heart of Houston's inner loop. With luxurious interiors, extensive landscaping to compliment the stylish exteriors, each detail contributes to the distinctive character of your apartment home. We want the apartment you see to be the apartment you love.
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
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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
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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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