Renters Insurance at The Standard at Franz Apartments
We found a few insurance details on the The Standard at Franz Apartments 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 Standard at Franz Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
FBI UCR
Property crime rate: 3016/100K (91% above national average)
What You'll Likely Pay
$13
Est. Monthly
$155
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 Standard at Franz 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 Standard at Franz 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
4 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 Katy.
Katy 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 Standard at Franz Apartments also has on-site security features (Perimeter fencing) that insurers recognize with discounts.
Source: FBI UCR Program, Katy (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.
What residents talk about most
Management
Consistently positive in reviews
“The staff is friendly and helpful, and the property manager, Marquinn, was especially great to work with.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
From a renters-insurance angle, The Standard at Franz Apartments doesn't have unusual exposure to the natural hazards that a standard policy excludes — flood risk is low and significant earthquakes are rare here. What renters in Harris County are likely to actually claim against, on the other hand, is severe weather: NOAA records around 22 severe weather events a year locally. Wind, hail, and storm damage to your possessions are all covered by a baseline policy.
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.
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
24300 Franz Rd, Katy, TX 77493
Katy
Monthly Cost Breakdown at The Standard at Franz Apartments
The listed rent isn't the whole number. Here's what The Standard at Franz 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 Standard at Franz Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Administrative Fee
Pets Fees
One-Time 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 Standard at Franz Apartments.
Grocery
- Western Union 2.3
- Brookshire Brothers Fuel 5.0
Pharmacy
- CVS Pharmacy 2.9
- Walgreens Pharmacy 2.2
- CVS 3.2
Hospital
- Memorial Hermann Katy Hospital Emergency Center 2.0
- Swift Star ER: Katy Emergency Room 4.6
- Memorial Hermann Katy Hospital 2.7
Gym
- DexaFit Katy 4.9
- Champion Fitness Center Texas 5.0
- BONA Fitness 4.7
Restaurant
- Taqueria la marianita's 5.0
- Japanese Hibachi Food Truck 3.9
- Crazy Asian Express 5.0
Park
- Katy City Park 4.7
- Katy Park 4.5
- City of Katy Off-Leash Dog Park 4.7
Bank
- Bank of America (with Drive-thru ATM) 2.6
- Chase Bank 2.1
- Wells Fargo Bank 2.8
Gas
- Tiny's 4.5
- Texaco Katy 2.7
- Phillips 66 4.0
Pet Policy
Bringing a pet? Here's what The Standard at Franz 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 Standard at Franz Apartments
From the property listing:
We don't just rent apartments. From the moment you walk through the front door, you'll feel the comfort and security that makes our residents happy to call us home. Cutting-edge amenities, meticulously-groomed grounds, and a dedicated staff contribute to a higher standard of living. Convenient shopping, award-winning schools, local museums, and parks are all close at hand, with sponsored activities to develop new hobbies while getting to know your neighbors.
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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