Renters Insurance at Sommerall Station Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Sommerall Station Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Dog-Friendly
Dogs allowed — consider higher liability coverage
FBI UCR
Property crime rate: 4013/100K (154% above national average)
What You'll Likely Pay
$14
Est. Monthly
$168
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 Sommerall Station 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 Sommerall Station 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 $13/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. Sommerall Station Apartments also has on-site security features (Property manager on site, Gated, Package lockers, Covered parking) 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
Natural Hazards & Your Renters Coverage
From a renters-insurance angle, Sommerall Station Apartments doesn't have unusual exposure to the natural hazards that a standard policy excludes — flood risk is low and significant earthquakes are rare here. What renters in Harris County are likely to actually claim against, on the other hand, is severe weather: NOAA records around 22 severe weather events a year locally. Wind, hail, and storm damage to your possessions are all covered by a baseline policy.
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
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
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 22 severe-weather events a year in Harris County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
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.
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
6777 Sommerall Dr, Houston, TX 77084
Bear Creek/Copperfield
Monthly Cost Breakdown at Sommerall Station Apartments
The listed rent isn't the whole number. Here's what Sommerall Station Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Sommerall Station Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Community Amenity Fee
Fee for access to shared resident amenities and facilities.
Trash Admin
Administrative costs for managing trash service billing, coo rdination, and related expenses for your apartment.
Trash Services - Doorstep
Fee for doorstep trash and recycle pickup service.
Pest Control Services
Regular pest prevention and treatment services.
Cable TV / Internet Services
Community-provided cable TV and internet services
Stormwater / Drainage Admin Fee
Management of community stormwater drainage and runoff infra structure
Utility Water / Wastewater Admin Fee
Covers administrative costs associated with billing and mana ging water utility services.
Admin Fee
Fee to process rental application and background check
Application Fee
Administrative processing fee to cover lease preparation.
Application Fee Per Applicant
Administrative Fee
Pets Fees
Cat Fee
Fee for allowing pets in the home.
Dog Fee
Pet Fee
Fee for allowing pets in the home.
Cat Rent
Dog Rent
Pet Rent
monthly charge for keeping a pet in the home.
Pet / Animal Lease Violation
Fee issued for unauthorized pets or violations of pet policy
Pet Fee
Pet Fee
Parking Fees
Parking - Garage
Charge for access to a garage space.
Optional Add-On Fees
Storage Space Rental
Fee for an on-site storage unit.
Amenity / Clubhouse Rental Deposit (Refundable)
Refundable deposit for potential damages during a clubhouse rental.
Amenity / Clubhouse Rental Fee
Fee for reserving the community clubhouse for events or gath erings.
Situational Fees
Utility - New Account Fee
One-time charge to activate new utility services.
Utility - Vacant Processing Fee
Preparing and administering a unit after move-out
Satellite Deposit (Refundable)
Deposit to cover potential damages from satellite installati on.
Intra-Community Transfer Fee
Charge for transferring to another home within the same comm unity.
Security Deposit (Refundable)
Refundable deposit covering potential damages and unpaid ren t per lease terms.
Security Deposit Alternative
Alternative to a standard security deposit typically issued through a surety bond.
Renters Liability Non-Compliance
Fee for not maintaining required renters liability insurance coverage.
NSF Tenant Fee
NSF Tenant Fee
Late Fee (Percentage)
Calculated as a percentage of the base rent amount.
Utility - Vacant Cost Recovery
Utility costs incurred while the unit was unoccupied.
Concession Repayment
Tenant repayment of rent discounts if lease terms are not me t.
Legal / Eviction Fee
Costs associated with an eviction proceeding.
Reletting Fee
An expense associated with re-renting a unit after early lea se termination.
Lease Violation
Fee for non-compliance with lease terms or community policie s.
Early Lease Termination / Buyout
Buyout for ending lease agreement before its scheduled end d ate.
Insufficient Move-out Notice Fee
Charge for not providing proper advance notice before move-o ut.
Renter Liability - Third Party
Expense related to required liability coverage through a thi rd-party provider.
Utility - Electric
Cost of electricity usage for your apartment.
Utility - Gas
Cost of gas usage for your apartment.
Utility - Stormwater / Drainage
Local stormwater management and drainage system fee.
Utility - Water / Sewer
Water usage and wastewater removal costs.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Sommerall Station Apartments.
Grocery
- Whole Foods Market 4.4
- Walmart Neighborhood Market 4.1
- Food Town 4.3
Pharmacy
- Walgreens Photo 4.4
- CVS Pharmacy 3.6
- CVS Pharmacy 3.8
Hospital
- HCA Houston ER 24/7 - Copperfield 4.7
- Emergency Room at HCA Houston North Cypress 3.3
- Houston Methodist Emergency Department at West 2.9
Gym
- Houston Gym 4.6
- Crunch Fitness - Copperfield 4.6
- 24 Hour Fitness 4.3
Restaurant
- Hikari 4.6
- Brisket & Rice 4.7
- Khan BBQ & Grill 4.6
Park
- Bear Creek Pioneers Park 4.6
- Thomas A. Glazier Pocket Park 4.8
- Terry Hershey Park 4.7
Bank
- Comerica Bank - ATM 3.0
- First Convenience Bank 4.0
- First Community Credit Union - Copperfield 4.5
Gas
- Murphy USA 3.3
- Chevron 3.5
- Texaco 4.2
Pet Policy
Bringing a pet? Here's what Sommerall Station 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 Sommerall Station Apartments
From the property listing:
Discover one, two, and three-bedroom homes to elevate your lifestyle at Sommerall Station, nestled in the sought-after Copperfield area of Houston.
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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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