Smart Living at Telephone Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Smart Living at Telephone Apartments in South Central Houston? Rent here runs $1,182 – $2,250, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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3852 Telephone Rd, Houston, TX 77023

South Central Houston

Managed by Allied Orion Built 2017 3 stories 239 units
3/5 ·110 reviews Google
4/5 ·4 reviews Apt. Finder
$1,182 – $2,250 /month

Monthly Cost Breakdown at Smart Living at Telephone Apartments

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

Total Monthly Cost $1,248 – $2,316
Base Rent $1,182 – $2,250
Required Monthly Fees $51
Est. Renters Insurance $15/mo

Renters Insurance at Smart Living at Telephone Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Smart Living at Telephone 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

Pest Issues

4 mentions in Google reviews

FBI UCR

Property crime rate: 4013/100K (154% above national average)

What You'll Likely Pay

$15

Est. Monthly

$178

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 Smart Living at Telephone 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

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 Smart Living at Telephone Apartments:

Carrier Monthly Annual
Lemonade $9/mo $110/yr
USAA $10/mo $124/yr
State Farm $14/mo $166/yr
Progressive $15/mo $179/yr
Safeco $15/mo $179/yr
Travelers $16/mo $193/yr
Allstate $17/mo $207/yr
Nationwide $17/mo $207/yr
Farmers $18/mo $221/yr
Liberty Mutual $21/mo $248/yr

Discounts You May Qualify For

Gated community
-5%
Controlled access
-3%
Sprinkler system
-5%
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

7 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. Smart Living at Telephone Apartments also has on-site security features (Package service, Controlled access, Gated, Sprinklers) 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.

Pest Issues Common topic
4×
Maintenance Issues Common topic
3×
Theft Mentioned
1×
Safety Concerns Mentioned
1×
Noise Mentioned
1×

On-Site Security

Package service Controlled access Gated Sprinklers

Fees Beyond Rent

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

Required Fees

Utilities and Service - Trash Fee

$12 / mo

Pest Control

$3 / mo

Application Fee Per Applicant

$75

Administrative Fee

$150

Pets Fees

Pet Deposit

$150

Monthly Pet Fee

$25 / mo

One-Time Pet Fee

$175 - $175

Parking Fees

Parking Fee

$125 / mo

Parking Fee

$50 / mo

Parking Fee

N/A / mo

Amenities

Special Features

Location Outdoor Entertaining Area BBQ Grills Park Access and View

Community Features

Maintenance on site Online Services Key Fob Entry Clubhouse Walk-Up Courtyard Grill Fitness Center Pool Walking/Biking Trails Gas Range

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Double Vanities Tub/Shower Sprinkler System Dishwasher Disposal Ice Maker Granite Countertops Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Tile Floors Vinyl Flooring Walk-In Closets Large Bedrooms Balcony

Pet Policy

Bringing a pet? Here's what Smart Living at Telephone 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 and Cats Allowed
$150 Deposit
$25 Monthly Pet Rent
$175 Fee
1 Pet Limit

About Smart Living at Telephone Apartments

Year Built: 2017
Stories: 3 stories
Units: 239
Management: Allied Orion
Phone: (832) 981-5322

From the property listing:

Our unique, pet-friendly apartment community offers one, two and three-bedroom luxury apartment homes designed for those who appreciate carefree living. Bright and spacious floor plans are brimming with natural light. Our gourmet kitchens feature granite-style countertops and energy efficient appliances. Designer touches are everywhere you look with built-in desks, wood-style flooring, designer lighting packages, garden tubs and private balconies with beautiful views. Your amazing lifestyle extends beyond your front door with access to spectacular amenities.

Other Options Nearby

Still weighing your choices? Other communities in Houston — compare rent and estimated insurance cost side by side.

Centre at Columbia Court Apartments

South Central Houston

$960 - $1,420 Ins: ~$16/mo

Metro 5514 Apartments

South Central Houston

$925 - $1,544 Ins: ~$16/mo

Nest Apartments

South Central Houston

$850 Ins: ~$19/mo

Vermillion Apartments

South Central Houston

$978 - $1,147 Ins: ~$16/mo

1010 Waugh Apartments

Montrose

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

1408 Hughes St Apartments

Eastwood

$1,045 Ins: ~$15/mo

Frequently Asked Questions

Does Smart Living at Telephone Apartments require renters insurance?
We didn't find a public insurance requirement for Smart Living at Telephone 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 Smart Living at Telephone Apartments?
For this zip code and building type, expect to pay around $15/month ($178/year). Smart Living at Telephone 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 Smart Living at Telephone Apartments?
Plan for $1,248 to $2,316/month all-in. That's base rent ($1,182 – $2,250), plus $51/month in required fees (trash, utilities, etc.), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Smart Living at Telephone Apartments allow pets?
Yes, Smart Living at Telephone Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $150 Deposit. $25 Monthly Pet Rent. $175 Fee. 1 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.
How safe is the area around Smart Living at Telephone 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, sprinklers — features that can qualify for premium discounts.
What floor plans does Smart Living at Telephone Apartments offer?
There are 21 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,182 – $2,250. 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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