Cole Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Cole Apartments in South Central Austin? With rent at $1,632 - $7,980 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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300 S Lamar Blvd, Austin, TX 78704

South Central Austin

Built 2009 5 stories 119 units
5/5 ·57 reviews
$1,632 - $7,980 /month

Monthly Cost Breakdown at Cole Apartments

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

Total Monthly Cost $1,723 – $8,071
Base Rent $1,632 – $7,980
Required Monthly Fees $78
Est. Renters Insurance $13/mo

What You Need to Know About Insurance at Cole Apartments

What Affects Your Premium Here

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

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$13

Est. Monthly

$160

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 Cole 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 Cole 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

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 Cole Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Package Valet

Charged per unit.

$12 / mo

Valet Trash

Charged per unit.

$25 / mo

Pest Control

Charged per unit.

$5 / mo

Application Fee Per Applicant

Charged per applicant.

$100

Administrative Fee

Charged per unit.

$300

Pets Fees

Dog Fee

Charged per pet.

$10

Dog Deposit

Charged per pet.

$200

Cat Deposit

Charged per pet.

$200

Cat Rent

Charged per pet.

$10 / mo

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 Cole 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: Cole Apartments has on-site security features (Controlled access, Covered parking, On site maintenance) that insurers recognize with premium discounts.

On-Site Security

Controlled access Covered parking On site maintenance

Amenities

Special Features

Onsite Management Air Conditioner GE Stainless Steel Appliance Package On-Site Restaurant & Retail Patio/Balcony Secluded Pool & Spa Convenient Trash Chutes on Every Floor Monthly Resident Events & Happy Hours Next Door to Zilker Park Emergency Maintenance Floor to Ceiling Windows * Spacious Floorplans Valet Trash Service Walking Distance to Austin Pedestrian Bridge Ceiling Fan Controlled Access Parking Garage Covered Patios * Large Closets Near Hiking & Biking Trails Option of Bamboo or Espresso Colored Flooring Under-Counter Mounted Sinks Accent Pendant Lighting * Deep Soaking Tubs Modern Solar Screens for Privacy Newly Equipped Fitness Center Tiled Kitchen Backsplash Vaulted Ceilings * View

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Air Conditioning Cable Ready Security System Dishwasher Disposal Microwave High Ceilings Walk-In Closets Window Coverings

What's Within Reach

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

Pharmacy

  • Lamar Plaza Drug Store 5.0
  • CVS Pharmacy 3.3
  • Martin's Wellness & Compounding Pharmacy at Lamar Plaza Drug Store 4.5

Hospital

  • Austin Emergency Center: South Lamar Emergency Room 4.6
  • Dell Seton Medical Center at The University of Texas - Emergency 4.1
  • St. David's South Austin Medical Center Emergency Room 4.1

Gym

  • Orangetheory Fitness 4.4
  • SWEAT440 Fitness Zilker 4.9
  • Life Time 4.3

Restaurant

  • Uchi Austin 4.6
  • Odd Duck 4.7
  • Eberly 4.5

Park

  • Austin Parks and Recreation 3.2
  • Butler Shores at Town Lake 4.6
  • Butler Metro Park 4.7

Bank

  • ATM (Signature Austin) 1.0
  • Citibank ATM 5.0
  • Bank of America (with Drive-thru ATM) 2.2

Gas

  • Valero 3.4
  • Shell 2.8
  • Chevron 3.9

Pet Policy

Bringing a pet? Here's what Cole 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

  • $200 Deposit
  • $10 Monthly Pet Rent
  • $10 Fee

About Cole Apartments

Live at Cole Apartments in South Lamar, Austin, TX. Our studio, 1, 2, and 3 bedroom apartments offer modern design and everyday comfort in a prime downtown location. Enjoy nearby Zilker Park, Town Lake, and local dining, plus quick access to I-35 and TX-1 Loop for easy commutes. Discover the perfect mix of convenience and lifestyle at Coleschedule your tour today.

Year Built: 2009
Stories: 5
Total Units: 119
Phone: (833) 685-6827

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.

1155 Barton Springs Apartments

South Central Austin

$3,600 - $6,499 Ins: ~$12/mo

Fifteen15 South Lamar Apartments

South Central Austin

$1,311 - $3,351 Ins: ~$12/mo

Mission James Place Apartments

South Central Austin

$885 - $2,012 Ins: ~$15/mo

South Lamar Village Apartments

South Central Austin

$896 - $3,431 Ins: ~$15/mo

Stoney Ridge Apartments

South Central Austin

$1,025 - $1,660 Ins: ~$15/mo

The 704 Apartments

South Central Austin

$949 - $18,509 Ins: ~$13/mo

Frequently Asked Questions

Does Cole Apartments require renters insurance?
We didn't find a public insurance requirement for Cole 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 Cole Apartments?
For this zip code and building type, expect to pay around $13/month ($160/year). Cole 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 below average.
What will I actually pay per month at Cole Apartments?
Plan for $1,723 to $8,071/month all-in. That's base rent ($1,632 - $7,980), plus $78/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 Cole Apartments allow pets?
Yes, Cole Apartments is pet-friendly. Here are the details: Cats Allowed. $200 Deposit. $10 Monthly Pet Rent. $10 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 Cole Apartments offer?
There are 18 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, studio layouts. Rent ranges from $1,632 - $7,980. 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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