Citadel at Tech Ridge Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Citadel at Tech Ridge Apartments in North Austin? With rent at $1,005 - $3,284 and renters insurance running about $13/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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1127 Pearl Retreat Ln, Austin, TX 78753

North Austin

Built 2019 3 stories 308 units
4/5 Google
4/5 ·23 reviews
$1,005 - $3,284 /month

Monthly Cost Breakdown at Citadel at Tech Ridge Apartments

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

Total Monthly Cost $1,151 – $3,430
Base Rent $1,005 – $3,284
Required Monthly Fees $133
Est. Renters Insurance $13/mo

What You Need to Know About Insurance at Citadel at Tech Ridge Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Citadel at Tech Ridge 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

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$13

Est. Monthly

$155

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 Citadel at Tech Ridge Apartments based on the rent level and building features.

Personal Property Coverage

$50,000 recommended
Low: $30,000 High: $75,000

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 Citadel at Tech Ridge 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

Gated community

Up to 5% off

Controlled access

Up to 3% 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 extra charges Citadel at Tech Ridge Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Pest Control

Charged per unit.

$10 / mo

Amenity Fee

Charged per unit.

$25 / mo

Community Trash & Recycling

Charged per unit.

$25 / mo

Water Utility Admin

Charged per unit. Payable to 3rd Party

$3 / mo

Valet Trash

Charged per unit.

$40 / mo

Stormwater Utility

Charged per unit. Payable to 3rd Party

Usage-Based

Electric Utility

Charged per unit. Payable to 3rd Party

Usage-Based

Water Utility

Charged per unit. Payable to 3rd Party

Usage-Based

Administrative Fee

Charged per unit.

$175

Application fee

Charged per applicant.

$75

Key/Fob Activation

Charged per unit.

$25

Security Deposit

Charged per unit.

$400 - $750

Pets Fees

Pet Fee

| Restrictions: Breed Restrictions Apply.

$500

Pet Rent

Max of 2. Max. 2 pets Charged per pet.

$35 / mo

Parking Fees

Parking Fee

Max of 1. subject to 8.25% sales tax Charged per vehicle.

$50 / mo

Private/Detached Garage Rental

Max of 1. subject to 8.25% sales tax Charged per vehicle.

$150 / mo

Carport

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 Citadel at Tech Ridge Apartments.

1%

Austin overall is safer than only 1% of U.S. cities

This is a city-wide stat — your actual neighborhood may differ. The good news: Citadel at Tech Ridge Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, Covered parking) that insurers recognize with premium discounts.

On-Site Security

Package service Controlled access Property manager on site Gated Covered parking

Amenities

Special Features

Carpeting Ceiling Fan Electric Vehicle Charging Center Fetch Package Services Bark Park and Run Private Balcony or Patio in each home Resident Clubhouse & Lounge Resort Style Swimming Pool Wellbeats Virtual Training Program Patio/Balcony washer/dryer in-unit Business & Cyber Lounge conference room Gooseneck Pull Down Spray Faucet in Kitchen Kitchen Islands Separate Stand-Up Showers Undermount Sinks in Kitchen and Bath Washer and Dryer in each home Air Conditioner Carport CrossFit-Style Training Equipment Holistic Fitness Studio Wheelchair Access Efficient Appliances Dual Vanities Extra Storage

Community Features

Maintenance on site Trash Pickup - Door to Door Recycling Renters Insurance Program Planned Social Activities Pet Play Area Pet Washing Station Car Charging Station Elevator Business Center Clubhouse Lounge Conference Rooms Walk-Up Cabana Courtyard Picnic Area Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Double Vanities Framed Mirrors Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Island Kitchen Eat-in Kitchen Kitchen Microwave Refrigerator Warming Drawer Vinyl Flooring Office Crown Molding Walk-In Closets Linen Closet Double Pane Windows Window Coverings Large Bedrooms Balcony Patio

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Citadel at Tech Ridge Apartments.

Grocery

  • H-E-B 4.4
  • MT Supermarket 4.3
  • Whole Foods Market 4.5

Pharmacy

  • Walgreens Pharmacy 2.2
  • H-E-B Pharmacy 2.8
  • CVS Pharmacy 3.6

Hospital

  • St. David's North Austin Medical Center Emergency Room 4.1
  • Ascension Seton Northwest Emergency 4.3
  • Dell Seton Medical Center at The University of Texas - Emergency 4.1

Gym

  • Orangetheory Fitness 4.7
  • Fitness Connection 4.6
  • House of Gainz 4.4

Restaurant

  • Fresh Bowl 4.4
  • Santorini Cafe 4.7
  • French Quarter Grille 4.6

Park

  • Oertli Neighborhood Park 4.1
  • Katherine Fleischer Park 4.7
  • Walnut Creek Metropolitan Park 4.7

Bank

  • Frost Bank ATM 5.0
  • Bank of America ATM (Drive-thru) 3.2
  • Comerica Bank - ATM 5.0

Gas

  • QuikTrip 3.2
  • QuikTrip 3.2
  • QuikTrip 3.8

Pet Policy

Bringing a pet? Here's what Citadel at Tech Ridge 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

  • $35 Monthly Pet Rent
  • $500 Fee
  • 2 Pet Limit

About Citadel at Tech Ridge Apartments

Your new home is waiting at Citadel at Tech Ridge, your destination for affordable North Austin living. Nestled in a connected and fast-growing corridor, our community offers more than just a place to live. Here, youll find a home base designed to support and elevate your day-to-day.From the moment you set foot in Citadel, youll notice how everything here is designed to make your life easier, from responsive management to a resident experience built on professionalism, reliability, and a warm sense of community.Our location near Tech Ridge employers, public schools, and commuter routes makes it easy to commute to work, run errands, or take on weekend adventures with minimal stress and hassle.

Year Built: 2019
Stories: 3
Total Units: 308
Phone: (737) 352-6469

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.

502 North Apartments

North Austin

$924 - $1,324 Ins: ~$15/mo

A Country Place Apartments

North Austin

$800 - $1,660 Ins: ~$15/mo

Ascent At Northgate Apartments

North Austin

$800 - $1,399 Ins: ~$16/mo

Bexley at Tech Ridge Apartments

North Austin

$984 - $1,968 Ins: ~$14/mo

Flatiron Domain Apartments

North Austin

$1,400 - $5,348 Ins: ~$12/mo

Gallery at The Domain Apartments

North Austin

$1,027 - $5,815 Ins: ~$13/mo

Frequently Asked Questions

Does Citadel at Tech Ridge Apartments require renters insurance?
We didn't find a public insurance requirement for Citadel at Tech Ridge 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 Citadel at Tech Ridge Apartments?
For this zip code and building type, expect to pay around $13/month ($155/year). Citadel at Tech Ridge 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 below average.
What will I actually pay per month at Citadel at Tech Ridge Apartments?
Plan for $1,151 to $3,430/month all-in. That's base rent ($1,005 - $3,284), plus $133/month in required fees (trash, utilities, etc.), 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 Citadel at Tech Ridge Apartments allow pets?
Yes, Citadel at Tech Ridge Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $35 Monthly Pet Rent. $500 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.
What floor plans does Citadel at Tech Ridge Apartments offer?
There are 9 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,005 - $3,284. 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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