Vizcaya Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Vizcaya Apartments in Bear Creek/Copperfield? Rent here runs $1,150 - $1,620, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

Get Renters Insurance for Vizcaya Apartments

Compare renters insurance quotes in seconds

18108 S Park View Dr, Houston, TX 77084

Bear Creek/Copperfield

Built 2004 3 stories 312 units
4.5/5 ·409 reviews Google
5/5 ·175 reviews Apt. Finder
$1,150 - $1,620 /month

Monthly Cost Breakdown at Vizcaya Apartments

The listed rent isn't the whole number. Here's what Vizcaya Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,164 – $1,634
Base Rent $1,150 – $1,620
Required Monthly Fees $0
Est. Renters Insurance $14/mo

Renters Insurance at Vizcaya Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Vizcaya Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

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 Vizcaya Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$20,000

If you own more

$60,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Vizcaya 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

Gated community
-5%
Controlled access
-3%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $13/mo

6 discounts may apply here. Real quotes show your actual price — estimates can't.

Compare Quotes Free · No account required

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.

4,013 per 100K residents

Property crime rate in Houston

154% above national average (1,578/100K)

Breakdown per 100K residents

Burglary530 (nat. 200)
Larceny / theft2,927 (nat. 1,172)
Vehicle theft555 (nat. 206)

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Vizcaya Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, On site maintenance) that insurers recognize with discounts.

Source: FBI UCR Program, Houston (2024-12 to 2025-11)

On-Site Security

Package service Controlled access Property manager on site Gated On site maintenance

Fees Beyond Rent

These are the additional charges beyond base rent at Vizcaya Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

$75

Administrative Fee

$200

Amenities

Special Features

24-Hour Access 9Ft Ceilings with Crown Molding Barbecue Grills Black Appliances * In Select Apartment Homes Breakfast Bar Built-in Desk * In Select Apartment Homes Classic Style and Newly Renovated Apartment Homes Deep-soaking Bathtub Designer Tile Backsplash Double-Paneled Insulated Windows Extra Storage Available Framed Bathroom Mirrors Gooseneck Faucet with Sprayer Gourmet Kitchen Leash-free, Bark Park Modern Cabinetry Nest Learning Thermostats * In Select Apartment Homes On-site Maintenance Pet-Friendly Rainfall Shower Head Smoke-free Community Stainless Steel Appliances * In Select Apartment Homes Sunroom * In Select Apartment Homes Undermount Sinks * In Select Apartment Homes Undermount Stainless Steel Sink Upgraded Lighting * In Select Apartment Homes Wood-style Flooring

Community Features

Wi-Fi Maintenance on site 24 Hour Access Trash Pickup - Door to Door Renters Insurance Program Online Services Planned Social Activities Business Center Clubhouse Multi Use Room Conference Rooms Sundeck Grill Pond Fitness Center Pool Bicycle Storage Walking/Biking Trails Gameroom

Floor Plan Amenities

Air Conditioning Smoke Free Dishwasher Granite Countertops Stainless Steel Appliances Island Kitchen Kitchen Carpet Vinyl Flooring Sunroom Crown Molding Vaulted Ceiling Walk-In Closets Double Pane Windows Window Coverings Balcony Lawn

What's Within Reach

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

Grocery

  • Walmart Supercenter 4.1
  • El Producto de Peru 4.9
  • H-E-B 4.4

Pharmacy

  • Trinity Specialty Pharmacy 5.0
  • Greenhouse Pharmacy - Public Health & Specialty Compounding 5.0
  • Vizcaya Apartments 4.5

Hospital

  • HCA Houston ER 24/7 - Copperfield 4.7
  • Vizcaya Apartments 4.5
  • HCA Houston ER 24/7 - Westchase 4.7

Gym

  • DexaFit Katy 4.9
  • F45 Training Rice Military 4.9
  • Vizcaya Apartments 4.5

Restaurant

  • Gyro Hut 4.5
  • Kolache Bar Cafe and Bakery 4.7
  • Freddy's Cafe 4.6

Park

  • Ashford Glens Apartments 4.4
  • Vizcaya Apartments 4.5
  • Bear Creek Pioneers Park 4.6

Bank

  • ATM (ATM Link, Inc.) 5.0
  • Vizcaya Apartments 4.5
  • Bitstop Bitcoin ATM

Gas

  • Exxon 3.9
  • Chevron 2.6
  • Shell 3.7

Pet Policy

Bringing a pet? Here's what Vizcaya 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

  • 1 Pet Limit

About Vizcaya Apartments

Vizcaya Apartments is a charming community situated in Houston, Texas. The location provides easy access to Interstate 10, making commutes a breeze. Residents can enjoy a variety of shopping and dining options just minutes away. With its prime setting, Vizcaya Apartments offers both comfort and convenience.

Year Built: 2004
Stories: 3
Total Units: 312
Phone: (862) 766-6802

Other Options Nearby

Still weighing your choices? These communities are in the same part of Houston — compare rent and estimated insurance cost side by side.

Allora Bear Creek Apartments

Bear Creek/Copperfield

$1,374 - $2,018 Ins: ~$13/mo

Alta Grandway Apartments

Bear Creek/Copperfield

$1,324 - $2,252 Ins: ~$12/mo

Arbor Point Apartments

Bear Creek/Copperfield

$950 - $1,699 Ins: ~$15/mo

Arise St. Gregory's Beach Apartments

Bear Creek/Copperfield

$999 - $1,229 Ins: ~$15/mo

Bellrock Market Station Apartments

Bear Creek/Copperfield

$1,168 - $2,536 Ins: ~$13/mo

Colonies Landing Apartments

Bear Creek/Copperfield

$1,039 - $1,419 Ins: ~$15/mo

Frequently Asked Questions

Does Vizcaya Apartments require renters insurance?
We didn't find a public insurance requirement for Vizcaya 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 Vizcaya Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Vizcaya Apartments has security features that qualify for discounts — with those applied, you could pay as little as $13/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Vizcaya Apartments?
Plan for $1,164 to $1,634/month all-in. That's base rent ($1,150 - $1,620), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Vizcaya Apartments allow pets?
Yes, Vizcaya Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. 1 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.
How safe is the area around Vizcaya Apartments?
Property crime in Houston runs noticeably higher than the national average — 4013 incidents per 100,000 residents versus the U.S. average of 1578. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 530/100K here. On the property itself, you'll find package service, controlled access, property manager on site, gated — features that can qualify for premium discounts.
What floor plans does Vizcaya Apartments offer?
There are 10 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,150 - $1,620. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

Get Renters Insurance for Vizcaya Apartments

See how much you could save on renters insurance

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.

SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.

Your privacy

We use cookies to run this site, measure how it's used, and support our advertising. See our Privacy Policy for details.