Cedar Street Flats Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Cedar Street Flats Apartments in Central Austin? With rent at $1,250 and renters insurance running about $16/mo, we've put together what you need to know before you sign — including which carriers offer the best rates for this building and what your lease actually requires.

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3707 Cedar St, Austin, TX 78705

Central Austin

Built 1967 2 stories 16 units
4/5
$1,250 /month

Monthly Cost Breakdown at Cedar Street Flats Apartments

The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at Cedar Street Flats Apartments is higher than the sticker price. Here's the full picture.

Total Monthly Cost $1,266 – $1,266
Base Rent $1,250
Required Monthly Fees $0
Est. Renters Insurance $16/mo

What You Need to Know About Insurance at Cedar Street Flats Apartments

What Affects Your Premium Here

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

Older Building

Built in 1967 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$16

Est. Monthly

$193

Est. Annual

$16

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 Cedar Street Flats Apartments based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

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 Cedar Street Flats Apartments:

Carrier Est. Monthly Est. Annual Tier Digital
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

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 extra charges Cedar Street Flats Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Application Fee Per Applicant

Charged per applicant.

$35

Security Deposit - Refundable

Charged per unit.

$500

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$0

Pet Deposit

Max of 2. Charged per pet.

$0

Monthly Pet Fee

Max of 2. Charged per pet.

$0 / mo

Parking Fees

Surface Lot

Amenities

Community Features

Laundry Facilities Online Services Walk To Campus

Floor Plan Amenities

High Speed Internet Access Air Conditioning Heating Ceiling Fans Cable Ready Tub/Shower Stainless Steel Appliances Kitchen Oven Range Refrigerator Freezer Quartz Countertops Vinyl Flooring Built-In Bookshelves Walk-In Closets Linen Closet Large Bedrooms

What's Within Reach

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

Grocery

  • Central Market 4.6
  • Speedway Market 4.6
  • Speedway Grocery 3.0

Pharmacy

  • Walgreens Specialty Pharmacy 4.2
  • 38th Street Pharmacy 4.9
  • Capsule 4.6

Hospital

  • Ascension Seton Medical Center Austin - Emergency 4.1
  • Dell Seton Medical Center at The University of Texas - Emergency 4.1
  • St. David's Medical Center Emergency Room 4.0

Gym

  • Orangetheory Fitness 4.6
  • Defiant CrossFit 5.0
  • Hyde Park Gym 4.8

Restaurant

  • Nori 4.8
  • Oribello's Bar and Kitchen 4.8
  • FoodHeads 4.7

Park

  • Shipe Neighborhood Park 4.5
  • Adams-Hemphill Neighborhood Park 4.4
  • Austin Recreation Center 4.5

Bank

  • Chase Bank 3.9
  • Frost Bank ATM 5.0
  • Broadway Bank Midtown Financial Center 4.3

Gas

  • Circle K | Gas Station
  • Shell 2.9
  • Shell 3.5

Pet Policy

Bringing a pet? Here's what Cedar Street Flats 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 and Dogs Allowed

  • 2 Pet Limit

About Cedar Street Flats Apartments

Adorable apartments available in Hyde Park. Live comfortably just minutes from campus or downtown near the intersection of Guadalupe and 38th. This apartment features new floors, new appliances, large closets, community washer/dryer, parking included. A great selection for any student or professional looking for an escape from the downtown lifestyle. This apartment is a MUST SEE! Schedule a viewing today!

Year Built: 1967
Stories: 2
Total Units: 16
Phone: (737) 204-7993

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.

1883 at Montgomery House Student Living Apartments

Central Austin

$587 - $1,574 Ins: ~$13/mo

Eastwood Apartments

Central Austin

$999 - $4,460 Ins: ~$16/mo

Grayson Apartments

Central Austin

$624 - $1,858 Ins: ~$13/mo

Lone Star Lofts

Central Austin

$875 - $3,600 Ins: ~$16/mo

Marq Uptown Apartments

Central Austin

$1,399 - $5,255 Ins: ~$12/mo

Montage Apartments

Central Austin

$900 - $1,195 Ins: ~$16/mo

Frequently Asked Questions

Does Cedar Street Flats Apartments require renters insurance?
We didn't find a public insurance requirement for Cedar Street Flats 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 Cedar Street Flats Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). Cedar Street Flats Apartments has security features that qualify for discounts — with those applied, you could pay as little as $16/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Cedar Street Flats Apartments?
Plan for $1,266 to $1,266/month all-in. That's base rent ($1,250), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Cedar Street Flats Apartments allow pets?
Yes, Cedar Street Flats Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. 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.
What floor plans does Cedar Street Flats Apartments offer?
There are 1 floor plans to choose from, spanning 1-bedroom layouts. Rent ranges from $1,250. 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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