Renters Insurance at The Oakmoor Apartments
We found a few insurance details on The Oakmoor Apartments's 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 Oakmoor 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 The Oakmoor Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
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 The Oakmoor 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. The Oakmoor Apartments also has on-site security features (Property manager on site, Gated, Perimeter fencing) 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
11900 Oakmoor Pky, Houston, TX 77051
Houston
Monthly Cost Breakdown at The Oakmoor Apartments
The listed rent isn't the whole number. Here's what The Oakmoor 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 Oakmoor Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
$5.50
Administrative Fee
$5.50
Pets Fees
One-Time Pet Fee
Pet Deposit
Monthly Pet Fee
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around The Oakmoor Apartments.
Pharmacy
- Oakmoor Apartments 4.1
- Walgreens Pharmacy 3.4
Hospital
- Emergency Room at The Woman's Hospital of Texas 4.0
- Houston Methodist Hospital Emergency Room 3.1
- Emergency Room at HCA Houston Medical Center 4.0
Gym
- DexaFit Katy 4.9
- Dynamic Fitness 4.1
- 24 Hour Fitness 4.3
Restaurant
- Good Eats Southern Cuisine 4.5
- Maddamz Kitchen 5.0
- Take The Wheel Restaurant 4.7
Park
- Sunnyside Community Center 4.4
- Sunnyside Community Center Swimming Pool 3.9
Bank
- Lindas Helping Hands 5.0
- Sox & Kent LLC. No-Talk Studios
Gas
- Exxon 3.4
- Valero 3.9
- Exxon 4.0
Pet Policy
Bringing a pet? Here's what The Oakmoor 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 The Oakmoor Apartments
From the property listing:
THE OAKMOOR offers a combination of comfort and quality. You'll find this community on Oakmoor Pky in Houston. The leasing staff is ready to show off our wonderful community. Stop by the leasing office to check the current floor plan availability.
Frequently Asked Questions
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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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