Retreat at Lakeside Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 29, 2026

Thinking about renting at Retreat at Lakeside Apartments in Cypress Station? With rent at $899 - $1,610 and renters insurance running about $14/mo, we've put together what you need to know before you sign — including which carriers offer the best rates for this building and what your lease actually requires.

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18200 Westfield Pl, Houston, TX 77090

Cypress Station

Built 2005 3 stories 296 units
5/5 ·14 reviews
$899 - $1,610 /month

Monthly Cost Breakdown at Retreat at Lakeside Apartments

The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at Retreat at Lakeside Apartments is higher than the sticker price. Here's the full picture.

Total Monthly Cost $913 – $1,624
Base Rent $899 – $1,610
Required Monthly Fees $0
Est. Renters Insurance $14/mo

What You Need to Know About Insurance at Retreat at Lakeside Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Retreat at Lakeside 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

What You'll Likely Pay

$14

Est. Monthly

$168

Est. Annual

$12

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 Retreat at Lakeside Apartments based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

Liability Coverage

$300,000 $300,000

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 Retreat at Lakeside Apartments:

Carrier Est. Monthly Est. Annual Tier Digital
Lemonade $8 $96 budget Yes
USAA $9 $108 budget —
State Farm $12 $144 mid —
Progressive $13 $156 mid Yes
Safeco $13 $156 mid —
Travelers $14 $168 mid —
Allstate $15 $180 mid —
Nationwide $15 $180 mid —
Farmers $16 $192 premium —
Liberty Mutual $18 $216 premium —

Discounts You May Qualify For

Gated community

Up to 5% off

Controlled access

Up to 3% off

Sprinkler system

Up to 5% off

Alarm-ready unit

Up to 3% off

Claims-free (if applicable)

Up to 10% off

Pay-in-full annual

Up to 7% off

Paperless/autopay

Up to 3% off

Multi-policy bundle

Up to 10% off

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Fees Beyond Rent

These are the extra charges Retreat at Lakeside Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Application Fee Per Applicant

$100

Administrative Fee

$50

Pets Fees

Pet Fee

$250

Monthly Pet Fee

$25 / mo

Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around Retreat at Lakeside Apartments.

On-Site Security

Controlled access Property manager on site Video patrol Gated Sprinklers Covered parking

Amenities

Special Features

Accepts Packages at the Office for Residents Air Conditioner BBQ/Picnic Area Business Center w/Computers, Printers & Fax Cable Ready Carpeting Carport Ceiling Fan Clubhouse Dishwasher Disposal Door to Door 5 Day a week Valet Trash Efficient Appliances Fitness Center & Billiard Room Full-size Washer/Dryer INCLUDED Garage Garden Tubs/Large Walk-in Closets Hardwood Floors High Ceilings High Speed Internet Available Large Closets Microwave Nine Foot & Lofted Ceilings With Crown Molding. One and Two Bedroom Apartment Homes for Rent Patio/Balcony Prewired for Alarms & Telecommunication Needs Private Entry with Doorbells Recycling Refrigerator Remote Controlled Access Gates Resident Lounge Swimming Pool/Picnic Arbor w/Outdoor Grills View Washer/Dryer Wheelchair Access Window Coverings

Community Features

Wi-Fi Laundry Facilities Maintenance on site Furnished Units Available Trash Pickup - Door to Door Recycling Renters Insurance Program Online Services Business Center Clubhouse Lounge Multi Use Room Conference Rooms Walk-Up Courtyard Grill Picnic Area Lake Access Pond Fitness Center Pool Playground Walking/Biking Trails Media Center/Movie Theatre Study Lounge

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Security System Double Vanities Tub/Shower Fireplace Handrails Sprinkler System Framed Mirrors Dishwasher Disposal Ice Maker Granite Countertops Pantry Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Hardwood Floors Carpet Tile Floors Vinyl Flooring Dining Room High Ceilings Office Crown Molding Walk-In Closets Window Coverings Balcony Patio Porch

Pet Policy

Bringing a pet? Here's what Retreat at Lakeside 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 Allowed

  • 65 lb Weight Limit
  • 2 Pet Limit

About Retreat at Lakeside Apartments

Come home to The Retreat at Lakeside, where you'll find the apartment that's perfect for you. Take advantage of our fully-equipped fitness center or FREE WiFi in our business center, swimming in our clear blue pool. You will also enjoy the convenience of full size washer and dryers in every apartment. Located near shopping, transportation, and entertainment, The Retreat at Lakeside is the perfect place for you to call home.

Year Built: 2005
Stories: 3
Total Units: 296
Phone: (346) 637-5532

Other Options Nearby

Still weighing your choices? These communities are in the same part of Houston — with their own insurance costs and safety profiles worth comparing.

1010 Waugh Apartments

Montrose

$1,870 - $4,824 Ins: ~$13/mo

1408 Hughes St Apartments

Eastwood

$1,045 Ins: ~$15/mo

1414 Texas Downtown Apartments

Downtown Houston

$1,583 - $2,988 Ins: ~$15/mo

1711 Caroline Apartments

Downtown Houston

$999 - $2,865 Ins: ~$15/mo

1900 Yorktown Tanglewood Apartments

Uptown Houston

$1,765 - $3,110 Ins: ~$13/mo

1903 Portsmouth Apartments

Montrose

$1,145 - $1,705 Ins: ~$17/mo

Frequently Asked Questions

Does Retreat at Lakeside Apartments require renters insurance?
We didn't find a public insurance requirement for Retreat at Lakeside 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 Retreat at Lakeside Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Retreat at Lakeside Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Retreat at Lakeside Apartments?
Plan for $913 to $1,624/month all-in. That's base rent ($899 - $1,610), 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 Retreat at Lakeside Apartments allow pets?
Yes, Retreat at Lakeside Apartments is pet-friendly. Here are the details: Dogs Allowed. 65 lb Weight Limit. 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.
What floor plans does Retreat at Lakeside Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $899 - $1,610. 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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