Renters Insurance at Willowbend Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Willowbend Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Dog-Friendly
Dogs allowed — consider higher liability coverage
FBI UCR
Property crime rate: 9231/100K (485% 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 Willowbend 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 Willowbend Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $91/yr |
| USAA | $9/mo | $103/yr |
| State Farm | $11/mo | $137/yr |
| Progressive | $12/mo | $148/yr |
| Safeco | $12/mo | $148/yr |
| Travelers | $13/mo | $160/yr |
| Allstate | $14/mo | $171/yr |
| Nationwide | $14/mo | $171/yr |
| Farmers | $15/mo | $182/yr |
| Liberty Mutual | $17/mo | $205/yr |
Discounts You May Qualify For
Next Step
See if you can beat $12/mo
5 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 Humble.
Humble 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. Willowbend Apartments also has on-site security features (Property manager on site, Gated, Gated access, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Humble (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.
On-Site Security
9393 FM 1960 Bypass Rd W, Humble, TX 77338
Lake Houston Area
Monthly Cost Breakdown at Willowbend Apartments
The listed rent isn't the whole number. Here's what Willowbend Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Willowbend Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Water/Wastewater Admin Fee
Amount for water billing services calculated as a percentageof consumption as allowed by regulation.
Trash Services - Hauling
Amount for shared trash/waste services.
Community Amenity Fee
Amount for community amenity use and services.
Pest Control Services
Amount for pest control services.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party.
Administrative Fee
Amount to facilitate move-in process for a resident.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market.
Security Deposit (Refundable)
Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice.
Pets Fees
Pet Deposit (Refundable)
Amount for pet living in rental home. May be assessed per pet or per rental home, based on lease requirements. Refunds processed per lease terms.
Pet Fee
Amount to facilitate authorized pet move-in.
Pet Rent
Monthly amount for authorized pet.
Parking Fees
Parking Fee
Amount for garage parking space/services. May be subject to availability.
Parking Fee
Amount for covered parking space/services. May be subject to availability.
Addons Fees
Pet Mgmt - First Pet - Third Party
Amount for first authorized pet registration and screening services.
Pet Mgmt - Additional Pet - Third Party
Amount for additional authorized pet registration and screening services.
Situational Fees
Payment Services - Third Party
Amount for using a third party, electronic payment processing service (i.e. credit card, ACH, etc.).
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy
Access Device
Amount to obtain an access device for community; fobs, keys,remotes, access passes.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name.
Returned Payment Fee (NSF)
Amount for returned payment.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; excludes rent and other charges.
Reletting Fee
Marketing fee related to early lease termination; excludes rent and other charges.
Late Fee
Amount for paying after rent due date; per terms of lease.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transferred to resident responsibility any time during occupancy.
Pet/Animal - Lease Violation
Amount for violation of community policies related to pet orassistance animal.
Lease Violation
Amount for violation of community policies and/or per lease terms.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations.
Pet Policy
Bringing a pet? Here's what Willowbend 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 Willowbend Apartments
From the property listing:
Discover a carefree lifestyle filled with unrivaled comforts in the heart of Humble, Texas. Our prime location is near Spring Creek and Interstate 69 HOV, making any commute a breeze. Enjoy easy access to shopping, family eateries, and entertainment hot spots. Let us be your gateway to fun and excitement around Harris County!
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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