Terra at Piney Point Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 14, 2026

Thinking about renting at Terra at Piney Point Apartments in Woodlake-Briar Meadow? Rent here runs $1,095 - $2,080, 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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8787 Woodway Dr, Houston, TX 77063

Woodlake-Briar Meadow

Built 1994 3 stories 246 units
3.9/5 ·309 reviews Google
5/5 ·291 reviews Apt. Finder
$1,095 - $2,080 /month

Monthly Cost Breakdown at Terra at Piney Point Apartments

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

Total Monthly Cost $1,290 – $2,275
Base Rent $1,095 – $2,080
Required Monthly Fees $180
Est. Renters Insurance $15/mo

Renters Insurance at Terra at Piney Point Apartments

Accepted Insurance Providers

Terra at Piney Point Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

Kin

What Affects Your Premium Here

Every building is different. These factors specific to Terra at Piney Point 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

AreaVibes

Crime grade: F

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$15

Est. Monthly

$176

Est. Annual

$14

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 Terra at Piney Point 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 Terra at Piney Point 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

Gated community
-5%
Controlled access
-3%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $14/mo

6 discounts may apply here. Real quotes show your actual price — estimates can't.

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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 Terra at Piney Point Apartments.

F

Area Crime Grade

1%

Houston overall is safer than only 1% of U.S. cities

This reflects Houston as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: Terra at Piney Point Apartments has on-site security features (Package service, Controlled access, Gated, On site maintenance) that insurers recognize with premium discounts.

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.

Maintenance Issues Common topic

On-Site Security

Package service Controlled access Gated On site maintenance

Fees Beyond Rent

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

Required Fees

Amenity Fee

$20 / mo

Utility - Billing Administrative Fee

$3.5 / mo

Trash Haul & Valet Trash

$36.78 / mo

Pest Control

$5 / mo

High Speed Internet Access

$55 / mo

Application Fee Per Applicant

$65

Administrative Fee

$150

Pets Fees

Pet Deposit

$250

Pet Fee

$350

Monthly Pet Fee

$25 / mo

One-Time Pet Fee

$350 - $350

Parking Fees

Parking Fee

$125 / mo

Amenities

Special Features

Distinction Package II Distinction Package III Fountains Living Room Ceiling Fan Premium Backsplash Access Gates Pool view Premium Lighting Package Shaker Style Cabinetry Stainless Appliance Package Wifi in Clubhouse/Pool Area Classic Features II EV Charging Stations Pet Park Coming Soon! Premium Corner Location Washer and Dryer Included 24 Hour Emergency Maintenance 2nd Floor Bedroom Ceiling Fan Coat Closet Comm Style Pull-Down Faucet Upgraded Bathroom Cabinets USB Outlets Green Space View Hardwood Style Flooring Platinum Package II Premium Vinyl Floors Stack Washer/Dryer Included 3rd Floor Cook center by pool Courtyard view Distinction Package I Outdoor Grill Picnic Area with Barbecue Professional Management Smart Home Technology Stale Unit 18 Undermount Stainless Sink White Quartz Countertops WiFi in Common Areas Additional Storage Room BBQ/Picnic Area Beautifully Landscaped Classic Features I Stale Unit 16 1st Floor Balcony / Patio Full Size Washer & Dryer Large Swimming Pool Pets Allowed Platinum Package I Platinum Package III Premium Bathroom Countertops Quart Countertops In Select Units Renovated Interiors White Cabinetry

Community Features

Community-Wide WiFi Maintenance on site Trash Pickup - Door to Door Renters Insurance Program Car Charging Station Business Center Clubhouse Courtyard Grill Picnic Area Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Security System Tub/Shower Fireplace Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Hardwood Floors Carpet Tile Floors Vinyl Flooring Dining Room High Ceilings Crown Molding Vaulted Ceiling Walk-In Closets Linen Closet Window Coverings Balcony Patio

Pet Policy

Bringing a pet? Here's what Terra at Piney Point 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

  • $250 Deposit
  • $25 Monthly Pet Rent
  • $350 Fee
  • 65 lb Weight Limit
  • 2 Pet Limit

About Terra at Piney Point Apartments

Terra at Piney Point is the home you've been looking for. Look no further for a one-of-a-kind apartment community, because you've found it at Terra at Piney Point apartments in Houston, Texas. Our prime location offers easy access to prestigious local public and private schools and top medical centers, ensuring convenience for every aspect of your life. You'll love the endless fun and entertainment our city provides. The community is within 15 minutes to Memorial City for enjoyable shopping, dining and entertainment experiences. Terra at Piney Point is conveniently located for easy access to Texas State Highway Beltway 8 and Interstate I-10.

Year Built: 1994
Stories: 3
Total Units: 246
Phone: (832) 852-0203

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.

Frequently Asked Questions

Does Terra at Piney Point Apartments require renters insurance?
We didn't find a public insurance requirement for Terra at Piney Point 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 Terra at Piney Point Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Terra at Piney Point Apartments has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Terra at Piney Point Apartments?
Plan for $1,290 to $2,275/month all-in. That's base rent ($1,095 - $2,080), plus $180/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 Terra at Piney Point Apartments allow pets?
Yes, Terra at Piney Point Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $250 Deposit. $25 Monthly Pet Rent. $350 Fee. 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.
How safe is the area around Terra at Piney Point Apartments?
The area has a F crime grade, which is worth factoring into your coverage decisions. That puts it safer than 1 of U.S. cities. On the property itself, you'll find package service, controlled access, gated, on site maintenance — features that can also qualify you for insurance discounts.
What floor plans does Terra at Piney Point Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,095 - $2,080. 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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