Renters Insurance at Somerset Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Somerset Apartments can push your insurance cost up or down:
Older Building
Built in 1980 — older plumbing/electrical may increase risk
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
$176
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 Somerset Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
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 Somerset 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
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. Somerset Apartments also has on-site security features (Package service, Property manager on site) 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.
What residents talk about most
Parking
Mixed feedback in reviews
On-Site Security
Natural Hazards & Your Renters Coverage
The natural-hazard picture for renters at this address is straightforward: flood risk is low and earthquake shaking isn't a meaningful concern, but Harris County sees real severe-weather activity — NOAA tallies roughly 22 severe weather events a year. The good news is that's exactly the kind of damage a standard renters policy is designed to handle. The section below walks through the local weather record.
Earthquake shaking
USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.
Low seismic hazard · ground motion 0.03g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's records put Harris County squarely in severe-weather territory: roughly 22 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Harris County. Counts reflect reported events, not damage amounts.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
8000-8001 W Tidwell Rd, Houston, TX 77040
Spring Branch
Monthly Cost Breakdown at Somerset Apartments
The listed rent isn't the whole number. Here's what Somerset Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Somerset Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Administrative Fee
Amount to manage trash service billing.
Internet Services
Amount for internet services provided by community.
Utility - Water
Usage-Based (Utilities).Amount for provision and consumption of water
Utility Base - Fixed Fee - Water
Usage-Based (Utilities).Fixed amount for provision and consu mption of water.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services
Utility Base - Fixed Fee - Sewer
Usage-Based (Utilities).Fixed amount for provision of sewer services.
Drainage Fee
Usage-Based (Utilities).Amount for local programs that mitig ate flooding, erosion, and water pollution.
Utility - Gas
Usage-Based (Utilities).Amount for provision and consumption of natural gas.
Utility - Electric - Third Party
Amount for provision and consumption of electric paid to a t hird party.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice.
Environmental Fee
Amount imposed by local jurisdiction related to environmenta l protection.
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.
Pets Fees
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 service s.
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram.
Concierge Services
Amount for community concierge services; may be provided by third party.
Situational Fees
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy
Payment Services - Alternative
Amount for using a third party rent payment installment prog ram (i.e. Flex, Jetty Rent).
Month-to-Month Fee
Amount, in addition to base rent, for a month-to-month lease
Pet/Animal Violation - Waste
Amount for violation of community policies related to pet or assistance animal waste.
Access/Lock Change Fee
Amount to change or reprogram access to rental home.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity.
Returned Payment Fee (NSF)
Amount for returned payment.
Trash Container - Replacement
Amount to replace trash/waste container.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges.
Payment Services - Third Party
Amount for using a third party, electronic payment processin g service (i.e. credit card, ACH, etc.).
Reletting Fee
Marketing fee related to early lease termination; excludes r ent 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.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations.
Pet/Animal - Lease Violation
Amount for violation of community policies related to pet or assistance animal.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Somerset Apartments.
Grocery
- Whole Foods Market 4.4
- M&G Market 4.5
- Walmart Supercenter 3.9
Pharmacy
- CVS Pharmacy 4.6
- Walmart Pharmacy 2.7
- 1st Aid Pharmacy 5.0
Hospital
- HCA Houston ER 24/7 - Memorial City 4.7
- Life Savers Emergency Room - Heights 4.5
- HCA Houston ER 24/7 - Copperfield 4.7
Gym
- Houston Gym 4.6
- Somerset 3.5
- 24 Hour Fitness 4.4
Restaurant
- La Salsita 4.4
- El Nayarita 4.2
- Taizzi Sushi - Northwest 4.7
Park
- Bane Park 4.5
- Somerset 3.5
- Memorial Park 4.8
Bank
- Bank of America Financial Center 2.2
- Bank of Texas 4.3
- Bank of Texas 4.4
Gas
- Circle K | Gas Station
- Circle K 2.9
- Raceway gas station 4.1
Pet Policy
Bringing a pet? Here's what Somerset 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 Somerset Apartments
From the property listing:
Somerset Apartments is more than an apartment community. Our amenities are offered with the hope of providing extraordinary comforts for everyday people. Our floorplans were crafted to enhance and designed with you in mind.Pair our range of amenities, customized floorplans, and prioritization of your needs with all Houston has to offer, and you wont need to look much further.
Frequently Asked Questions
Does Somerset Apartments require renters insurance?
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Does Somerset Apartments allow pets?
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Is SafeButler affiliated with Somerset Apartments?
What is SafeButler and how does it work for Somerset Apartments renters?
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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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