Waterstone Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Waterstone Apartments in Spring? Rent here runs $1,429 – $2,220, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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2111 Old Holzwarth Rd, Spring, TX 77388

Spring

Built 2012 2 stories 276 units
4/5 ·176 reviews Google
5/5 ·95 reviews Apt. Finder
$1,429 – $2,220 /month

Monthly Cost Breakdown at Waterstone Apartments

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

Total Monthly Cost $1,442 – $2,233
Base Rent $1,429 – $2,220
Est. Renters Insurance $13/mo

Renters Insurance at Waterstone Apartments

According to Waterstone Apartments's website, you'll need a renters insurance policy, and the property needs to be named on your policy. This isn't unusual — most Class-A apartment communities have similar requirements because it protects both you and the building if something goes wrong.

Your lease at Waterstone Apartments expects

These specifics on your renters policy

Your lease may add more — but these are the details Waterstone Apartments publishes publicly. Treat them as the floor, not the ceiling.

Interested party Add Waterstone Apartments to your policy as an interested party

The "interested party" wrinkle is easy to miss. When you buy your policy, most carriers have a field during checkout where you add the property — it takes about 30 seconds. Without it, your proof of insurance may get rejected by the leasing office even if your coverage is otherwise fine.

What Affects Your Premium Here

Every building is different. These factors specific to Waterstone 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

AreaVibes

Crime grade: D

What You'll Likely Pay

$13

Est. Monthly

$151

Est. Annual

$12

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 Waterstone Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

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 Waterstone Apartments:

Carrier Monthly Annual
Lemonade $7/mo $86/yr
USAA $8/mo $97/yr
State Farm $11/mo $130/yr
Progressive $12/mo $140/yr
Safeco $12/mo $140/yr
Travelers $13/mo $151/yr
Allstate $14/mo $162/yr
Nationwide $14/mo $162/yr
Farmers $14/mo $173/yr
Liberty Mutual $16/mo $194/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 $12/mo

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

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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 Spring.

D

Area Crime Grade

Detailed FBI property-crime data isn't available for Spring in the latest reporting cycle, so we're showing the AreaVibes neighborhood grade as a general signal. Waterstone Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, Gated access, On site maintenance) that insurers recognize with premium discounts.

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
Water Damage Mentioned
Pest Issues Mentioned

On-Site Security

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

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$50

Administrative Fee

$175

Pets Fees

Pet Deposit

$100

Monthly Pet Fee

$30 / mo

One-Time Pet Fee

$400

Amenities

Special Features

24-Hour Fitness Center Amazon Lockers and Drive-up Mail Center Arcade and Game Room AT&T High-Speed Fiber Available Attached Garages Available* Attached Garages Select Units Auto Detail Bay Black Appliance Package Built-in Computer Desks* Built-in Microwave Ceiling Fans in Living Room and Bedrooms Chef's Kitchen Island with USB Outlet* Courtyard Area with BBQ Grills Direct Access One- & Two-Car Garages with Individual Driveways* Full-Size Washer and Dryer Garden Tubs* Gated Community In-Select Homes* Large Walk-in Closets* Modern Cabinetry with Designer Hardware Nearby Grand Parkway Marketplace Nearby The Market at Spring-woods Village One-, Two-, and Three-Bedroom Floorplans Online Resident Portal On-Site Maintenance Team Pet-Friendly Private Patio or Balcony Resident Lounge with Kitchen Resort Style Pool with Sundeck Wood-Style Flooring*

Community Features

Laundry Facilities Maintenance on site Trash Pickup - Door to Door Pet Play Area Car Wash Area Wheelchair Accessible Business Center Clubhouse Lounge Walk-Up Sundeck Courtyard Grill Picnic Area Fitness Center Pool Gameroom

Floor Plan Amenities

Washer/Dryer Air Conditioning Ceiling Fans Security System Dishwasher Pantry Island Kitchen Kitchen Microwave Range Carpet Vinyl Flooring Dining Room High Ceilings Walk-In Closets Balcony Patio Deck

Pet Policy

Bringing a pet? Here's what Waterstone 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 Allowed

  • $100 Deposit
  • $30 Monthly Pet Rent
  • $400 Fee
  • 100 lb Weight Limit
  • 2 Pet Limit

About Waterstone Apartments

Welcome to Waterstone, a luxury apartment community in Spring, Texas, surrounded by lush greenery and offering a spacious, unique living experience—nothing cookie-cutter here! Our thoughtfully designed one, two, and three-bedroom homes, many with attached garages, feature state-of-the-art appliances, designer finishes, and everything you need for effortless living. Enjoy a resort-style pool with a sun deck, an auto detail bay, and a market pantry, alongside top-tier amenities like a 24-hour fitness studio and a pet-friendly park, are a few to mention Waterstone, upscale living meets natural beauty, creating an experience that exceeds every expectation. Come home to Waterstone today!

Year Built: 2012
Stories: 2
Total Units: 276
Phone: (346) 584-9796

Other Options Nearby

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

Frequently Asked Questions

Does Waterstone Apartments require renters insurance?
We found specific coverage details on Waterstone Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Waterstone Apartments?
For this zip code and building type, expect to pay around $13/month ($151/year). Waterstone Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Waterstone Apartments?
Plan for $1,442 to $2,233/month all-in. That's base rent ($1,429 – $2,220), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Waterstone Apartments allow pets?
Yes, Waterstone Apartments is pet-friendly. Here are the details: Dogs Allowed. $100 Deposit. $30 Monthly Pet Rent. $400 Fee. 100 lb Weight Limit. 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 Waterstone Apartments?
The area has a D crime grade, which is worth factoring into your coverage decisions. On the property itself, you'll find package service, controlled access, property manager on site, gated — features that can also qualify you for insurance discounts.
What floor plans does Waterstone Apartments offer?
There are 12 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,429 – $2,220. 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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