Renters Insurance at The Hamilton Apartments
We found a few insurance details on the The Hamilton Apartments website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to The Hamilton 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
FBI UCR
Property crime rate: 4013/100K (154% above national average)
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 The Hamilton Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near The Hamilton Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $115/yr |
| USAA | $11/mo | $130/yr |
| State Farm | $14/mo | $173/yr |
| Progressive | $16/mo | $187/yr |
| Safeco | $16/mo | $187/yr |
| Travelers | $17/mo | $202/yr |
| Allstate | $18/mo | $216/yr |
| Nationwide | $18/mo | $216/yr |
| Farmers | $19/mo | $230/yr |
| Liberty Mutual | $22/mo | $259/yr |
Discounts You May Qualify For
Next Step
See if you can beat $14/mo
6 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. The Hamilton Apartments also has on-site security features (Controlled access, Property manager on site, Gated, 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
1800 St Joseph Pky, Houston, TX 77003
Downtown Houston
Monthly Cost Breakdown at The Hamilton Apartments
The listed rent isn't the whole number. Here's what The Hamilton Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Hamilton Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Renters insurance
Liability renters insurance
Fetch package charge
Package Valet
Pest Control
Statement fee
Application Fee Per Applicant
Administrative Fee
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around The Hamilton Apartments.
Grocery
- Whole Foods Market 4.4
- Phoenicia Specialty Foods 4.6
- Randalls 4.1
Gym
- Stronger Faster Strength & Conditioning Gym 4.8
- Houston Gym 4.6
- Be Fit Gym 4.7
Restaurant
- El Taco Rico 4.6
- Emma's Kitchen 4.7
- The Rustic 4.3
Park
- Settegast Park Tennis Court 5.0
Gas
- Exxon 3.9
- Shell 3.6
- Exxon 3.8
Pet Policy
Bringing a pet? Here's what The Hamilton Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Hamilton Apartments
From the property listing:
The Hamilton, Houston’s newest boutique mid-rise apartments, was designed with your ultimate comfort and convenience in mind. One of our exclusive, upscale one or two bedroom floor plans, featuring high ceilings, city views, oversized custom closets and the finest high-end finishes, is sure to meet your needs and lifestyle.
Frequently Asked Questions
Does The Hamilton Apartments require renters insurance?
How much is renters insurance at The Hamilton Apartments?
What will I actually pay per month at The Hamilton Apartments?
Does The Hamilton Apartments allow pets?
How safe is the area around The Hamilton Apartments?
What floor plans does The Hamilton Apartments offer?
Is SafeButler affiliated with The Hamilton Apartments?
What is SafeButler and how does it work for The Hamilton 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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