The Phoenician Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 29, 2026

Thinking about renting at The Phoenician Apartments in Uptown Houston? With rent at $1,489 - $2,529 and renters insurance running about $15/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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2345 Bering Dr, Houston, TX 77057

Uptown Houston

Built 1994 3 stories 264 units
5/5 ·8 reviews
$1,489 - $2,529 /month

Monthly Cost Breakdown at The Phoenician 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 Phoenician Apartments is higher than the sticker price. Here's the full picture.

Total Monthly Cost $1,504 – $2,544
Base Rent $1,489 – $2,529
Required Monthly Fees $0
Est. Renters Insurance $15/mo

What You Need to Know About Insurance at The Phoenician Apartments

Accepted Insurance Providers

The Phoenician Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

sure kin

What Affects Your Premium Here

Every building is different. These factors specific to The Phoenician 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

$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 Phoenician Apartments based on the rent level and building features.

Personal Property Coverage

$50,000 recommended
Low: $30,000 High: $75,000

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 Phoenician 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 Phoenician 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

$175

Pets Fees

Pet Deposit

$500

Monthly Pet Fee

$40 / mo

One-Time Pet Fee

$350 - $700

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 Phoenician Apartments.

On-Site Security

Package service Controlled access Property manager on site On site maintenance

Amenities

Special Features

1st Floor 24-Hour Emergency Maintenance 3rd Floor Coffee Bar Community gas grill/BBQ area Fitness Center - Free Weights Free WiFi in Common Areas Only Guided and Self-Guided Tours Resident Lounge Resort Style Swimming Pool Yoga Room

Community Features

Community-Wide WiFi Wi-Fi Maintenance on site Hearing Impaired Accessible Vision Impaired Accessible Trash Pickup - Door to Door Online Services Pet Play Area Business Center Clubhouse Lounge Sundeck Grill Fitness Center Hot Tub Pool

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Security System Dishwasher Disposal Stainless Steel Appliances Microwave High Ceilings Walk-In Closets

What's Within Reach

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

Grocery

  • Whole Foods Market 4.5
  • Whole Foods Market 4.4
  • H-E-B 4.6

Pharmacy

  • H-E-B Pharmacy 4.2
  • Walgreens Pharmacy 3.0
  • CVS Pharmacy 3.6

Hospital

  • HCA Houston ER 24/7 - Bellaire 4.8
  • RapidCare Emergency Room - Galleria Houston 24 Hr Urgent ER Care 4.8
  • Houston Methodist Emergency Care Center at Voss 2.5

Restaurant

  • Winsome Prime 4.8
  • The Butcher's Grille - Houston 4.8
  • Mei's Cafe 4.8

Park

  • Anderson Tennis Courts 4.0

Bank

  • Bank of Texas 4.0
  • Phoenician Apartments 3.3
  • Bank of Texas 4.2

Gas

  • Exxon 4.0
  • Valero 3.8
  • Chevron 3.8

Pet Policy

Bringing a pet? Here's what The Phoenician 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
  • $40 Monthly Pet Rent
  • 2 Pet Limit

About The Phoenician Apartments

Discover upscale apartment living at The Phoenician, ideally located just minutes from Houston’s world-renowned Galleria. Our one-, two-, and three-bedroom homes are thoughtfully designed with modern finishes such as stainless steel appliances, Silestone countertops, and spacious layouts with high ceilings. Step outside your door and enjoy resort-style amenities including a lagoon-style swimming pool with sundeck, a fully equipped fitness center, resident clubhouse, and controlled-access parking. The beautifully landscaped grounds create a peaceful retreat while keeping you close to the city’s best shopping, dining, and entertainment. At The Phoenician, you’ll find the perfect balance of comfort and convenience in a location that puts Houston at your doorstep. Schedule your tour today and see why our residents love calling The Phoenician home.

Year Built: 1994
Stories: 3
Total Units: 264
Phone: (281) 305-1650

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.

1900 Yorktown Tanglewood Apartments

Uptown Houston

$1,765 - $3,110 Ins: ~$13/mo

3000 Sage Apartments

Uptown Houston

$1,168 - $2,442 Ins: ~$13/mo

9900 on Memorial Apartments

Uptown Houston

$830 - $3,435 Ins: ~$16/mo

Alister Galleria Apartments

Uptown Houston

$1,187 - $2,592 Ins: ~$15/mo

Brisa Galería Apartments

Uptown Houston

$866 - $1,775 Ins: ~$16/mo

Caroline on Voss Apartments

Uptown Houston

$950 - $2,807 Ins: ~$13/mo

Frequently Asked Questions

Does The Phoenician Apartments require renters insurance?
We didn't find a public insurance requirement for The Phoenician 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 Phoenician Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). The Phoenician 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 Phoenician Apartments?
Plan for $1,504 to $2,544/month all-in. That's base rent ($1,489 - $2,529), 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 Phoenician Apartments allow pets?
Yes, The Phoenician Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $500 Deposit. $40 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.
What floor plans does The Phoenician Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,489 - $2,529. 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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