95twenty Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at 95twenty Apartments in Avery Ranch? Rent here runs $1,147 - $5,794, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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9520-9521 Spectrum Dr, Austin, TX 78717

Avery Ranch

Managed by Greystar Built 2013 3 stories 334 units
5/5 ·115 reviews
$1,147 - $5,794 /month

Monthly Cost Breakdown at 95twenty Apartments

The listed rent isn't the whole number. Here's what 95twenty Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,272 – $5,919
Base Rent $1,147 – $5,794
Required Monthly Fees $111
Est. Renters Insurance $14/mo

Renters Insurance at 95twenty Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 95twenty Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

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 95twenty Apartments based on the rent level and building features.

Personal Property Coverage

$75,000 recommended
Low: $40,000 High: $100,000

Liability Coverage

$300,000 $300,000

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 95twenty Apartments:

Carrier Est. Monthly Est. Annual Tier Buy Online
Lemonade $8 $96 budget Yes
USAA $9 $108 budget
State Farm $12 $144 mid
Progressive $13 $156 mid Yes
Safeco $13 $156 mid
Travelers $14 $168 mid
Allstate $15 $180 mid
Nationwide $15 $180 mid
Farmers $16 $192 premium
Liberty Mutual $18 $216 premium

Discounts You May Qualify For

Gated community

Up to 5% off

Claims-free (if applicable)

Up to 10% off

Pay-in-full annual

Up to 7% off

Paperless/autopay

Up to 3% off

Multi-policy bundle

Up to 10% off

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Fees Beyond Rent

These are the additional charges beyond base rent at 95twenty Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Boiler Management

Amount for boiler heating/management services. Charged per u... Read Morenit. Read Less

$16.75 / mo

Utility - Stormwater/Drainage Admin Fee

Amount to manage drainage billing. Charged per unit.

$3 / mo

Trash Administrative Fee

Amount to manage trash service billing. Charged per unit.

$3 / mo

Utility - Gas Administrative Fee

Amount to manage gas billing. Charged per unit.

$3 / mo

Trash Services - Doorstep

Amount for doorstep trash removal from rental home. Charged ... Read Moreper unit. Read Less

$30 / mo

Pest Control Services

Amount for pest control services. Charged per unit.

$5 / mo

Utility - Electric - Third Party

Usage-Based (Utilities).Amount for provision and consumption... Read More of electric paid to a third party. Charged per unit. Payable to 3rd Party Read Less

Varies / mo

Utility - Water/Sewer

Usage-Based (Utilities).Amount for provision and/or consumpt... Read Moreion of water and sewer services Charged per unit. Read Less

Varies / mo

Trash Services - Hauling

Amount for shared trash/waste services. Charged per unit.

Varies / mo

Utility - Gas

Usage-Based (Utilities).Amount for provision and consumption... Read More of natural gas. Charged per unit. Read Less

Varies / mo

Renters Liability Insurance - Third Party

Amount for renters liability insurance obtained through resi... Read Moredent's provider of choice. Charged per leaseholder. Payable to 3rd Party Read Less

Varies / mo

Utility - Water/Wastewater Submeter Admin Fee

Amount for water billing services calculated as a percentage... Read More of consumption as allowed by regulation. Charged per unit. Read Less

Varies / mo

Application Fee

Amount to process application, initiate screening, and take ... Read Morea rental home off the market. Charged per applicant. Read Less

$99

Security Deposit (Refundable)

Amount intended to be held through residency that may be app... Read Morelied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit. Read Less

$500

Pets Fees

Pet Fee

| Restrictions: Aggressive Breed: Rottweiler, Doberman Pinsc... Read Moreher, Pit Bull Terrier, Staffordshire Terrier, Chow, Presa Canarias, Akita, Alaskan Malamutes, Wolf-Hybrids Read Less

$250

Pet Deposit (Refundable)

Max of 2. Amount for pet living in rental home. May be asses... Read Moresed per pet or per rental home, based on lease requirements. Refunds processed per lease terms. Charged per pet. Read Less

$250

Pet Rent

Max of 2. Monthly amount for authorized pet. Charged per pet

$25 / mo

Pet Management - Third Party

Max of 1. Amount for authorized pet registration and screeni... Read Moreng services. Charged per pet. Payable to 3rd Party Read Less

$25 - $30 / yr

Parking Fees

Parking Fee

Max of 1. Amount for garage parking space/services. May be s... Read Moreubject to availability. Charged per rentable item. Read Less

$110 - $135 / mo

Parking Fee

Max of 1. Amount for covered parking space/services. May be... Read More subject to availability. Charged per rentable item. Read Less

$50 / mo

Garage Lot

Covered

Situational Fees

Express Move Out

Amount for community to perform rental home cleaning upon mo... Read Moreve-out. Charged per unit. Read Less

$150 - $350

Positive Credit Reporting Services

Amount to send positive payment history to credit reporting ... Read Moreagency(ies); per person. Charged per leaseholder. Payable to 3rd Party Read Less

$4.95 / mo

Utility - Vacant Processing Fee

Amount for failing to transfer utilities into resident name.... Read More Charged per unit. Read Less

$50 / occurence

Returned Payment Fee (NSF)

Amount for returned payment. Charged per unit.

$50 / occurence

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within c... Read Moreommunity. Charged per unit. Read Less

$500 / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; exclu... Read Moredes rent and other charges. Charged per unit. Read Less

200% of base rent / occurence

Reletting Fee

Marketing fee related to early lease termination; excludes r... Read Moreent and other charges. Charged per unit. Read Less

85% of base rent / occurence

Late Fee

Amount for paying after rent due date; per terms of lease. ... Read MoreCharged per unit. Read Less

9.99% of base rent / occurence

Access Device - Replacement

Amount to obtain a replacement access device for community; ... Read Morefobs, keys, remotes, access passes. Charged per device. Read Less

Varies / occurrence

Access/Lock Change Fee

Amount to change or reprogram access to rental home. Charged... Read More per unit. Read Less

Varies / occurrence

Payment Services - Third Party

Amount for using a third party, electronic payment processin... Read Moreg service (i.e. credit card, ACH, etc.). Charged per unit. Payable to 3rd Party Read Less

Varies / occurrence

Lease Violation

Amount for violation of community policies and/or per lease ... Read Moreterms. Charged per unit. Read Less

Varies / occurrence

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations. Cha... Read Morerged per unit. Read Less

Varies / occurrence

Utility - Vacant Cost Recovery

Usage-Based (Utilities).Amount for utility usage not transfe... Read Morerred to resident responsibility any time during occupancy. Charged per unit. Read Less

Varies / occurrence

Security Deposit Alternative

Amount for alternate program in lieu of paying a traditional... Read More security deposit. Charged per unit. Payable to 3rd Party Read Less

Varies one-time

Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around 95twenty Apartments.

On-Site Security

Package service Property manager on site Concierge Gated Doorman Package lockers

Amenities

Special Features

Energy Efficient Homes Luxurious Spacious Closets Pool view* Renovated* Yard* Package Lockers Accessible Unit* Conference Room Wood Vinyl or Stained Concrete Flooring *

Community Features

Maintenance on site Trash Pickup - Door to Door Recycling Online Services Planned Social Activities Pet Play Area Business Center Lounge Conference Rooms Walk-Up Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Ceiling Fans Security System Tub/Shower Dishwasher Disposal Granite Countertops Stainless Steel Appliances Microwave Office Walk-In Closets Window Coverings Yard

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 95twenty Apartments.

Restaurant

  • Suprabhat 4.7
  • Lazeez Mediterranean - Parmer Lane 4.5
  • Twin Panda 4.6

Park

  • Jellystone Park Austin North 4.4
  • Springwoods Park 4.7
  • Balcones District Park 4.6

Pet Policy

Bringing a pet? Here's what 95twenty 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.

Cats Allowed

  • $25 Monthly Pet Rent
  • $250 Fee

About 95twenty Apartments

Discover the best of both worlds at 95twenty Apartments, an inviting apartment community where classic comfort meets contemporary style. Tucked away from the hustle and bustle of the city, this North Austin address welcomes you home with a variety of spacious floor plans and resort-inspired amenities.Inside these pet-friendly residences, you'll find both the modern conveniences you expect and the elevated finishes you desire. Throughout the community, impressive on-site attractions enliven your days with enjoyment and relaxation. Thanks to online concierge services, you can get in touch with a friendly staff member whenever a need arises. When you want to get around town, take advantage of the neighborhood's nearby Metro stops and easy highway access.Contact the leasing office today for more information about these Austin apartments for rent.

Year Built: 2013
Stories: 3
Total Units: 334
Management: Greystar
Phone: (833) 658-1393

Other Options Nearby

Still weighing your choices? These communities are in the same part of Austin — with their own insurance costs and safety profiles worth comparing.

Frequently Asked Questions

Does 95twenty Apartments require renters insurance?
We didn't find a public insurance requirement for 95twenty 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 95twenty Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). 95twenty 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 95twenty Apartments?
Plan for $1,272 to $5,919/month all-in. That's base rent ($1,147 - $5,794), plus $111/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 95twenty Apartments allow pets?
Yes, 95twenty Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $250 Fee. 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.
What floor plans does 95twenty Apartments offer?
There are 9 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,147 - $5,794. 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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