The McCarthy at Memorial City Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 29, 2026

Thinking about renting at The McCarthy at Memorial City Apartments in Memorial City? With rent at $1,345 - $7,574 and renters insurance running about $12/mo, we've put together what you need to know before you sign — including which carriers offer the best rates for this building and what your lease actually requires.

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9789 Katy Fwy, Houston, TX 77024

Memorial City

Built 2017 8 stories 133 units
4/5 ·53 reviews
$1,345 - $7,574 /month

Monthly Cost Breakdown at The McCarthy at Memorial City Apartments

The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at The McCarthy at Memorial City Apartments is higher than the sticker price. Here's the full picture.

Total Monthly Cost $1,357 – $7,586
Base Rent $1,345 – $7,574
Required Monthly Fees $0
Est. Renters Insurance $12/mo

What You Need to Know About Insurance at The McCarthy at Memorial City Apartments

What Affects Your Premium Here

Every building is different. These factors specific to The McCarthy at Memorial City Apartments can push your insurance cost up or down:

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

What You'll Likely Pay

$12

Est. Monthly

$147

Est. Annual

$12

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 McCarthy at Memorial City Apartments based on the rent level and building features.

Personal Property Coverage

$75,000 recommended
Low: $40,000 High: $100,000

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 The McCarthy at Memorial City Apartments:

Carrier Est. Monthly Est. Annual Tier Digital
Lemonade $8 $96 budget Yes
USAA $9 $108 budget —
State Farm $12 $144 mid —
Progressive $13 $156 mid Yes
Safeco $13 $156 mid —
Travelers $14 $168 mid —
Allstate $15 $180 mid —
Nationwide $15 $180 mid —
Farmers $16 $192 premium —
Liberty Mutual $18 $216 premium —

Discounts You May Qualify For

Controlled access

Up to 3% off

Claims-free (if applicable)

Up to 10% off

Pay-in-full annual

Up to 7% off

Paperless/autopay

Up to 3% off

Multi-policy bundle

Up to 10% off

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Fees Beyond Rent

These are the extra charges The McCarthy at Memorial City Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Application Fee Per Applicant

$75

Administrative Fee

$300

Pets Fees

Pet Deposit

$500

Monthly Pet Fee

$30 / mo

One-Time Pet Fee

$500

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 The McCarthy at Memorial City Apartments.

On-Site Security

Controlled access Property manager on site

Amenities

Special Features

Garden Tubs* In Unit Speakers with Bluetooth Capability Kitchen Islands with Open Bar Area Modern Tile Backsplash and Custom Cabinets Other Outdoor Grill and Entertainment Area Private Cabanas Private Dining Room with Catering Kitchen Single Bowl Sinks in Kitchen Sky Lounge Undercounter Cabinet Lighting Up to 10 Foot Ceilings Valet Parking Walk-in Showers* Whirlpool Refrigerator with Water and Ice Dispenser Wood Laminate Floors in Kitchen, Dinning, and Living

Community Features

Maintenance on site Key Fob Entry Elevator Business Center Clubhouse Lounge Conference Rooms Cabana Grill Fitness Center Pool

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Ceiling Fans Double Vanities Tub/Shower Framed Mirrors Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Hardwood Floors Vinyl Flooring Dining Room High Ceilings Walk-In Closets Linen Closet Large Bedrooms Floor to Ceiling Windows Balcony Patio Porch

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around The McCarthy at Memorial City Apartments.

Pharmacy

  • The Vitamin Shoppe 4.3
  • CVS Pharmacy 4.8
  • H-E-B Pharmacy 3.5

Hospital

  • Sacred Heart Emergency Center - Emergency Room in Houston, TX 4.8
  • Memorial Hermann Memorial City Medical Center Emergency Center 1.5
  • HCA Houston ER 24/7 - Memorial City 4.7

Gym

  • DexaFit Katy 4.9
  • The Houstonian Hotel, Club & Spa 4.6
  • Memorial City Club 4.8

Restaurant

  • Hopdoddy Burger Bar 4.3
  • Grimaldi's Pizzeria 4.0
  • Ciro's 4.4

Bank

  • Bank of America (with Drive-thru ATM) 2.3
  • PNC Bank 2.2
  • Chase Bank 2.8

Gas

  • Circle K/Valero 4.1
  • Shell 3.9
  • Circle K 3.9

Pet Policy

Bringing a pet? Here's what The McCarthy at Memorial City 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

  • $500 Deposit
  • $25 Monthly Pet Rent
  • $500 Fee
  • 99 lb Weight Limit
  • 2 Pet Limit

About The McCarthy at Memorial City Apartments

The McCarthy is located in Memorial City area in Houston, TX 77024. Escape to a haven influenced by sophistication and exotic style that's accompanied with dynamic hospitality. Why stay a weekend when you can stay indefinitely? Bunking up within the inspirational Hotel ZaZa, Life at The McCarthy collides with the unforgettable experience that Hotel ZaZa offers. Live magnificently by indulging in a dazzling collection of apartment homes and penthouses for the unique affair you desire.

Year Built: 2017
Stories: 8
Total Units: 133
Phone: (877) 590-9480

Other Options Nearby

Still weighing your choices? These communities are in the same part of Houston — with their own insurance costs and safety profiles worth comparing.

Ascent at CityCentre Apartments

Memorial City

$1,439 - $7,343 Ins: ~$13/mo

Domain at City Centre Apartments

Memorial City

$1,710 - $5,336 Ins: ~$13/mo

Memorial City Apartments

Memorial City

$762 - $3,231 Ins: ~$16/mo

The Fountains at Memorial City Apartments

Memorial City

$2,120 - $8,525 Ins: ~$13/mo

1010 Waugh Apartments

Montrose

$1,870 - $4,824 Ins: ~$13/mo

1408 Hughes St Apartments

Eastwood

$1,045 Ins: ~$15/mo

Frequently Asked Questions

Does The McCarthy at Memorial City Apartments require renters insurance?
We didn't find a public insurance requirement for The McCarthy at Memorial City 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 McCarthy at Memorial City Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). The McCarthy at Memorial City Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $14/month, so this building is below average.
What will I actually pay per month at The McCarthy at Memorial City Apartments?
Plan for $1,357 to $7,586/month all-in. That's base rent ($1,345 - $7,574), plus roughly $12/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does The McCarthy at Memorial City Apartments allow pets?
Yes, The McCarthy at Memorial City Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $500 Deposit. $25 Monthly Pet Rent. $500 Fee. 99 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.
What floor plans does The McCarthy at Memorial City Apartments offer?
There are 27 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,345 - $7,574. 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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