Watersedge Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Watersedge Apartments in Webster? Rent here runs $1,195 – $1,900, 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 Watersedge Apartments

Compare renters insurance quotes in seconds

1799 FM 528 Rd, Webster, TX 77598

Webster

Managed by American Landmark Built 2008 3 stories 354 units
4.2/5 ·258 reviews Google
5/5 ·9 reviews Apt. Finder
$1,195 – $1,900 /month

Monthly Cost Breakdown at Watersedge Apartments

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

Total Monthly Cost $1,346 – $2,051
Base Rent $1,195 – $1,900
Required Monthly Fees $137
Est. Renters Insurance $14/mo

Renters Insurance at Watersedge Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Watersedge 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

FBI UCR

Property crime rate: 4663/100K (196% above national average)

What You'll Likely Pay

$14

Est. Monthly

$168

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 Watersedge Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

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 Watersedge 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

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 $14/mo

5 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 Webster.

Webster property crime rate

4,663

per 100K residents

196% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
612 / 200
Larceny / theft
3,481 / 1,172
Vehicle theft
571 / 206
Webster 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. Watersedge Apartments also has on-site security features (Controlled access, Doorman, Package lockers) that insurers recognize with discounts.

Source: FBI UCR Program, Webster (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.

Maintenance Issues Common topic
3×

On-Site Security

Controlled access Doorman Package lockers

Fees Beyond Rent

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

Required Fees

Maintenance Fee

$25 / mo

Valet Trash

$26 / mo

Package Lockers

$5 / mo

Pest Control

$6 / mo

Application Fee Per Applicant

$75

Administrative Fee

$150

Pets Fees

Pet Deposit

$200

Monthly Pet Fee

$20 / mo

One-Time Pet Fee

$300 - $300

Parking Fees

Parking Fee

$110 / mo

Parking Fee

$30 / mo

Amenities

Special Features

American Landmark 360 Resident Program Billiards Room Convenient 24/7 Online Resident Services Custom Cabinetry Garden Style Tubs In-Home Washer and Dryers On-Site Laundry Facility Oversized Closets Parcel Pending Package Lockers Patio Storage Picnic Areas w/ Grilling Stations Private Patios or Balconies Quartz Countertops in Bathrooms Stainless Steel Appliances* Sunrooms Vaulted Ceilings

Community Features

Car Charging Station Key Fob Entry Breakfast/Coffee Concierge Walk-Up Fitness Center Pool Playground Walking/Biking Trails

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Tub/Shower Granite Countertops Pantry Kitchen Microwave Range Refrigerator Sunroom Vaulted Ceiling Walk-In Closets Balcony Patio

Pet Policy

Bringing a pet? Here's what Watersedge 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, Cats, Birds, Fish, Reptiles, and Other Pets Allowed
  • $200 Deposit
  • $20 Monthly Pet Rent
  • $300 Fee
  • 2 Pet Limit

About Watersedge Apartments

Embrace each new day and live your life to the absolute fullest in our one and two bedroom apartment homes with serene lake views, vaulted ceilings, oversized windows, hardwood style flooring, gourmet kitchens with custom cabinetry and gleaming granite countertops. Cozy up with a good book inside your natural light-infused sunroom, or relax inside spacious living areas personalized to meet your individual style through custom accent walls and two-tone paint. Let our photos show you what our residents know best – the future looks bright at Watersedge.

Year Built: 2008
Stories: 3
Total Units: 354
Management: American Landmark
Phone: (346) 215-1469

Other Options Nearby

Still weighing your choices? Other communities in Webster — compare rent and estimated insurance cost side by side.

Clear Lake Place Apartments

Webster

$1,325 - $1,849 Ins: ~$14/mo

1010 Waugh Apartments

Montrose

$1,870 - $4,824 Ins: ~$13/mo

1408 Hughes St Apartments

Eastwood

$1,045 Ins: ~$15/mo

1414 Texas Downtown Apartments

Downtown Houston

$1,583 - $2,988 Ins: ~$15/mo

1711 Caroline Apartments

Downtown Houston

$999 - $2,865 Ins: ~$15/mo

1900 Yorktown Tanglewood Apartments

Uptown Houston

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

Frequently Asked Questions

Does Watersedge Apartments require renters insurance?
We didn't find a public insurance requirement for Watersedge 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 Watersedge Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Watersedge Apartments?
Plan for $1,346 to $2,051/month all-in. That's base rent ($1,195 – $1,900), plus $137/month in required fees (trash, utilities, etc.), 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 Watersedge Apartments allow pets?
Yes, Watersedge Apartments is pet-friendly. Here are the details: Dogs, Cats, Birds, Fish, Reptiles, and Other Pets Allowed. $200 Deposit. $20 Monthly Pet Rent. $300 Fee. 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.
How safe is the area around Watersedge Apartments?
Property crime in Webster runs noticeably higher than the national average — 4663 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 612/100K here. On the property itself, you'll find controlled access, doorman, package lockers — features that can qualify for premium discounts.
What floor plans does Watersedge Apartments offer?
There are 11 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,195 – $1,900. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

Get Renters Insurance for Watersedge 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.