Renters Insurance at The Oaks Of Kingwood Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Oaks Of Kingwood Apartments can push your insurance cost up or down:
Older Building
Built in 1984 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
What You'll Likely Pay
$13
Est. Monthly
$159
Est. Annual
$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 Oaks Of Kingwood Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
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 Oaks Of Kingwood Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $7/mo | $86/yr |
| USAA | $8/mo | $97/yr |
| State Farm | $11/mo | $130/yr |
| Progressive | $12/mo | $140/yr |
| Safeco | $12/mo | $140/yr |
| Travelers | $13/mo | $151/yr |
| Allstate | $14/mo | $162/yr |
| Nationwide | $14/mo | $162/yr |
| Farmers | $14/mo | $173/yr |
| Liberty Mutual | $16/mo | $194/yr |
Discounts You May Qualify For
Next Step
See if you can beat $13/mo
4 discounts may apply here. Real quotes show your actual price — estimates can't.
Safety
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.
What residents talk about most
Noise
Consistently positive in reviews
“I would recommend this place to anyone interested in a peaceful, well maintained and helpful complex” — Google reviewer
Management
Consistently positive in reviews
“I give this apartments a 5 star because the staff are very nice and friendly, especially margie she is very helpful, she will answer any question you may have.” — Google reviewer
Natural Hazards & Your Renters Coverage
The natural-hazard picture for renters at this address is straightforward: flood risk is low and earthquake shaking isn't a meaningful concern, but Harris County sees real severe-weather activity — NOAA tallies roughly 22 severe weather events a year. The good news is that's exactly the kind of damage a standard renters policy is designed to handle. The section below walks through the local weather record.
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
Low seismic hazard · ground motion 0.03g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 22 severe-weather events a year in Harris County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Harris County. Counts reflect reported events, not damage amounts.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
3415 Havenbrook Dr, Kingwood, TX 77339
Lake Houston Area
Monthly Cost Breakdown at The Oaks Of Kingwood Apartments
The listed rent isn't the whole number. Here's what The Oaks Of Kingwood 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 Oaks Of Kingwood Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Pest Control
Trash Admin Fee
Utility - Water/Sewer
Administrative Fee
Application Fee Per Applicant
Water/Sewer One-time Connection Fee
Pets Fees
One-Time Pet Fee
Monthly Pet Fee
Parking Fees
Parking Fee
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around The Oaks Of Kingwood Apartments.
Pharmacy
- Walgreens Pharmacy 2.1
- H-E-B Pharmacy 3.8
- CVS Pharmacy 3.2
Hospital
- Elite Hospital Kingwood 4.7
- Memorial Hermann 24-Hour Emergency Room at Convenient Care Center in Kingwood 2.5
- Emergency Room at HCA Houston Kingwood 3.3
Gym
- Houston Gym 4.6
- FlashFitnessTx 4.9
- Orion’s Fitness 5.0
Restaurant
- The Flying Biscuit Cafe 4.8
- Sake bon kingwood 4.4
- Fuzzy's Tacos and Margs 4.4
Park
- River Grove Park 4.3
- Bear Branch Gazebo Park 4.6
- East End Park 4.7
Bank
- Bank of America (with Drive-thru ATM) 2.4
- Bank of America ATM (Drive-thru) 4.0
- Wells Fargo Bank 2.7
Gas
- H-E-B Fuel 4.6
- Exxon 4.0
- Shell 2.9
Pet Policy
Bringing a pet? Here's what The Oaks Of Kingwood 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 Oaks Of Kingwood Apartments
From the property listing:
Welcome to the Oaks of Kingwood, the premier apartment community in Kingwood, TX. Our luxurious apartments provide you with the perfect blend of comfort and style. Enjoy the sought-after community amenities, including a resident clubhouse, sparkling pool and a spa. Whether you're looking for a place to relax and entertain, or just need a space to call your own, the Oaks of Kingwood is the perfect place for you. Our spacious floor plans are appointed with an array of features, from fully equipped kitchens to modern appliances, and even an in-home washer and dryer.
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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