The Legacy at Clear Lake Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at The Legacy at Clear Lake Apartments in Southeast Houston? Rent here runs $895 – $1,379, 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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270 El Dorado Blvd, Webster, TX 77598

Southeast Houston

Managed by Sentinel Peak Capital Partners Built 1981 2 stories 164 units
4.1/5 ·184 reviews Google
4/5 ·9 reviews Apt. Finder
$895 – $1,379 /month

Monthly Cost Breakdown at The Legacy at Clear Lake Apartments

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

Total Monthly Cost $1,032 – $1,516
Base Rent $895 – $1,379
Required Monthly Fees $122
Est. Renters Insurance $15/mo

Renters Insurance at The Legacy at Clear Lake Apartments

What Affects Your Premium Here

Every building is different. These factors specific to The Legacy at Clear Lake Apartments can push your insurance cost up or down:

Older Building

Built in 1981 — older plumbing/electrical may increase risk

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

FBI UCR

Property crime rate: 4663/100K (196% 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 Legacy at Clear Lake Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$15,000 recommended

If you own less

$10,000

If you own more

$25,000

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 The Legacy at Clear Lake 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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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 Webster.

Webster property crime rate

4,663

per 100K residents

196% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
612 / 200
Larceny / theft
3,481 / 1,172
Vehicle theft
571 / 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. The Legacy at Clear Lake Apartments also has on-site security features (Controlled access, Gated, Doorman) that insurers recognize with discounts.

Source: FBI UCR Program, Webster (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.

Maintenance Issues Mentioned
Pest Issues Mentioned
Noise Mentioned

On-Site Security

Controlled access Gated Doorman

Fees Beyond Rent

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

Required Fees

Community Maintenance Fee

Community Maintenance Fee

$18 / mo

Wifi/Internet Reimbursment

Wifi/Internet Reimbursment

$50 / mo

Administrative Fee

Administrative Fee

$150

Application Fee

Application Fee

$60

Pets Fees

Pet Fees Or Charges

Pet Fee - first pet - Cat

$400

Pet Rent

Pet Rent - Cat

$20 / mo

Parking Fees

Parking Fee

Carport - Parking

$30 / mo

Carport - Parking

Carport - Parking

$30 / mo

Parking Fee

N/A / mo

Addons Fees

Cleaning Charges

Carpet Cleaning

$0.01

Damage Charges

Carpet Replace / Repair

$0.01

Extra Keys Or Lock Changes

Keys not returned

$0.01

Administrative Fee

Online Administrative Fee

$49.5

Application Fee

Online Application Fee

$49.5

Situational Fees

Attorney Or Legal Charges

Attorney / Legal Charges

$0.01

Month To Month Charges

Month To Month Charges

$200

Transfer Fee

Transfer Fee

$300

Amenities

Special Features

Furnished Apartments Through Court

Community Features

Furnished Units Available Planned Social Activities Business Center Breakfast/Coffee Concierge Walk-Up Grill Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Tub/Shower Fireplace Dishwasher Disposal Ice Maker Pantry Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Carpet Vinyl Flooring Built-In Bookshelves Walk-In Closets Furnished Large Bedrooms Balcony Patio

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around The Legacy at Clear Lake Apartments.

Pharmacy

  • CVS Pharmacy 4.4
  • CVS Pharmacy 4.4
  • H-E-B Pharmacy 4.2

Hospital

  • HCA Houston Healthcare Clear Lake Emergency Room 3.6
  • First Priority ER Webster, TX 5.0
  • UTMB Health Emergency Room, Clear Lake Campus 2.7

Restaurant

  • Dave's Hot Chicken 4.7
  • Parry's Pizzeria & Taphouse 4.6
  • Taqueria El Pavo Real 4.6

Park

  • Basketball Court 4.3

Bank

  • Chase Bank 2.2
  • ATM (ATM Link, Inc.)
  • Cardtronics

Gas

  • Shell 4.8
  • Circle K 2.2
  • Circle K | Gas Station 4.0

Pet Policy

Bringing a pet? Here's what The Legacy at Clear Lake 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
$20 Monthly Pet Rent
2 Pet Limit

About The Legacy at Clear Lake Apartments

Year Built: 1981
Stories: 2 stories
Units: 164
Management: Sentinel Peak Capital Partners
Phone: (832) 864-5695

From the property listing:

Living at The Legacy at Clear Lake puts you in a central location in Harris County, just minutes away from Clear Lake Regional Medical Center and some of the best that Webster has to offer. Check out eclectic restaurants, hip entertainment spots, and convenient shopping centers without ever straying far from home. You’re also close to several higher education institutions and lucrative employment opportunities. At The Legacy at Clear Lake, you have everything you need to lead an easy and fulfilling everyday life without ever leaving the comfort of your home or your vacation-inspired community.

Other Options Nearby

Still weighing your choices? These communities are in the same part of Webster — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does The Legacy at Clear Lake Apartments require renters insurance?
We didn't find a public insurance requirement for The Legacy at Clear Lake 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 The Legacy at Clear Lake Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). The Legacy at Clear Lake 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 The Legacy at Clear Lake Apartments?
Plan for $1,032 to $1,516/month all-in. That's base rent ($895 – $1,379), plus $122/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 The Legacy at Clear Lake Apartments allow pets?
Yes, The Legacy at Clear Lake Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $20 Monthly Pet Rent. 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 The Legacy at Clear Lake Apartments?
Property crime in Webster runs noticeably higher than the national average — 4,663 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 612/100K here. On the property itself, you'll find controlled access, gated, doorman — features that can qualify for premium discounts.
What floor plans does The Legacy at Clear Lake Apartments offer?
There are 6 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $895 – $1,379. 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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