Renters Insurance at Torrey Chase Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Torrey Chase 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: 4013/100K (154% above national average)
What You'll Likely Pay
$12
Est. Monthly
$147
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 Torrey Chase 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 Torrey Chase 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 $12/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 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.
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.
14700 Torrey Chase Blvd, Houston, TX 77014
Northwest Houston
Monthly Cost Breakdown at Torrey Chase Apartments
The listed rent isn't the whole number. Here's what Torrey Chase Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Torrey Chase Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Torrey Chase Apartments.
Grocery
- Whole Foods Market 4.4
- ALDI 4.5
- Hong Kong Food Market 3.9
Pharmacy
- Avid Pharmacy 2.0
- Healing harvest 5.0
- CarePlus Pharmacy
Hospital
- Ben Taub Hospital Emergency Room 3.2
- Emergency Room at HCA Houston Medical Center 4.0
- HCA Houston ER 24/7 - Montrose 4.8
Gym
- The Houstonian Hotel, Club & Spa 4.6
- Houston Gym 4.6
- Persistent Evolution 5.0
Restaurant
- The Empanada Co. 4.6
- Pho Con Bo 4.9
- Hayashi Hibachi 4.5
Park
- Torrey Chase 4.0
- Meyer Park 4.7
- T.C.Jester Park 4.4
Bank
- Chase Bank 2.9
- Bank of America ATM (Drive-thru) 4.0
Gas
- Exxon 4.1
- Bon Bon 4.2
- Phillips 66 3.8
Pet Policy
Bringing a pet? Here's what Torrey Chase 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 Torrey Chase Apartments
Frequently Asked Questions
Does Torrey Chase Apartments require renters insurance?
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What will I actually pay per month at Torrey Chase Apartments?
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How safe is the area around Torrey Chase Apartments?
What floor plans does Torrey Chase Apartments offer?
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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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