Cortland Southpark Terraces Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Cortland Southpark Terraces Apartments in South Austin? With rent at $1,160 - $7,684 and renters insurance running about $14/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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10001 S 1st St, Austin, TX 78748

South Austin

Managed by Cortland Built 2008 3 stories 425 units
5/5 ·73 reviews
$1,160 - $7,684 /month

Monthly Cost Breakdown at Cortland Southpark Terraces Apartments

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

Total Monthly Cost $1,282 – $7,806
Base Rent $1,160 – $7,684
Required Monthly Fees $108
Est. Renters Insurance $14/mo

What You Need to Know About Insurance at Cortland Southpark Terraces Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Cortland Southpark Terraces 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

NeighborhoodScout

Safer than only 1% of US cities

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

Required Fees

Trash

Trash: $13 due monthly Charged per unit.

$13 / mo

Liability Only Protection

Liability Only Protection: $15 due monthly Charged per unit.

$15 / mo

Valet Trash

Valet Trash: $30 due monthly Charged per unit.

$30 / mo

Pest Control

Pest Control: $5 due monthly Charged per unit.

$5 / mo

Service Fee

Service Fee: $6 due monthly Charged per unit.

$6 / mo

Administration Fee (per household)

Administration Fee (per household): $150 deposit due at appl... Read Moreication Charged per unit. Read Less

$150

Application Fee (per applicant)

Application Fee (per applicant): $65 due at application Char... Read Moreged per applicant. Read Less

$65

Pets Fees

Dog - Pet Fee

Pet Fee: $400 due at move-in Charged per pet.

$400

Dog - Monthly Pet Charge

Monthly Pet Charge: $25 due monthly Charged per pet.

$25 / mo

Cat - Pet Fee

Pet Fee: $400 due at move-in Charged per pet.

$400

Cat - Monthly Pet Charge

Monthly Pet Charge: $25 due monthly Charged per pet.

$25 / mo

Parking Fees

E-Garage

E-Garage: $125 due monthly Charged per vehicle.

$125 / mo

E-Garage 2

E-Garage 2: $175 due monthly Charged per vehicle.

$175 / mo

E-Carport

E-Carport: $35 due monthly Charged per vehicle.

$35 / mo

Other

Situational Fees

Late Rent Fee

Late Rent Fee: 10% of rent due at late rent. Charged per uni... Read Moret. Read Less

Varies / occurrence

Reletting Fee

Reletting Fee (multiplier): 85% of rent due at early termina... Read Moretion. Charged per unit. Read Less

Varies one-time

Early Termination Fee

Early Termination Fee: 200% of rent due at early termination... Read More. Charged per unit. 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 Cortland Southpark Terraces 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: Cortland Southpark Terraces Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, Covered parking, Perimeter fencing) that insurers recognize with premium discounts.

On-Site Security

Package service Controlled access Property manager on site Gated Covered parking Perimeter fencing

Amenities

Special Features

Deep-Soaking Bathtub Digital Thermostats Pet Friendly Wood Flooring Custom Cabinetry And Designer Tile Backsplash Fireplace* Gas Fireplace* Handicap Accessible Sliding Glass Door Under-Cabinet Lighting Wood-Style Flooring Additional Outdoor Storage* Built-In Desks Glass-Door Shower Tile Backsplash Undermount Sinks Undermount Sinks With Gooseneck Faucets USB Integrated Outlets* Ceiling Fans in Bedroom and Living Room Gourmet Kitchen Granite Countertops Ten-Foot Ceilings with Crown Molding* Built-in Bookshelves* Courtesy Officer On-Site Double Sink Vanity* Double-Paned Insulated Windows Generous Walk-In Closets In-Home, Full-Size Washer/Dryer Modern Cabinetry Natural Light Outdoor Lounges Picnic/bbq Area Private, Detached Garages Additional Outdoor Storage Balcony or Patio Deep-Soaking Bathtubs Digital Programmable Thermostats Gated, Limited-Access Community Kitchen Island* Pantry Close to Downtown Austin, St. Ed's, UT, ACC Designer Cabinetry Hardware Discounted Housekeeping Services Offered Garages and Carports Available Linen Closet Scenic Views Upgraded Lighting Additional Storage Built-In Desk* Nine-Foot Ceilings with Crown Molding* Under Cabinet Lighting Vaulted Ceiling*

Community Features

Community-Wide WiFi Wi-Fi Laundry Facilities Maintenance on site 24 Hour Access Trash Pickup - Door to Door Recycling Renters Insurance Program Online Services Composting Planned Social Activities Pet Play Area Public Transportation Business Center Clubhouse Lounge Multi Use Room Storage Space Conference Rooms Walk-Up Fenced Lot Sundeck Cabana Courtyard Grill Picnic Area Fitness Center Pool Individual Locking Bedrooms Private Bathroom Study Lounge

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Security System Storage Space Double Vanities Fireplace Framed Mirrors Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Eat-in Kitchen Kitchen Microwave Oven Refrigerator Hardwood Floors Carpet Tile Floors Vinyl Flooring Dining Room Office Built-In Bookshelves Crown Molding Vaulted Ceiling Views Walk-In Closets Linen Closet Double Pane Windows Window Coverings Large Bedrooms Balcony Patio Porch Deck

What's Within Reach

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

Grocery

  • Target Grocery 4.4
  • Walmart Supercenter 3.8
  • H-E-B 4.4

Gym

  • Orangetheory Fitness 4.6
  • Crunch Fitness - Austin Southpark Meadows 4.1
  • Planet Fitness 4.5

Restaurant

  • Another Broken Egg Cafe 4.9
  • Waterloo Ice House Southpark Meadows 4.2
  • Pluckers Wing Bar 4.6

Park

  • Community Park 4.7
  • Cortland Southpark Terraces 4.3
  • Mary Moore Searight Metropolitan Park 4.6

Bank

  • Bank of America ATM 2.1
  • Woodforest National Bank 4.6
  • IBC Bank ATM 1.0

Gas

  • Sam's Club Gas Station 4.4
  • Murphy USA 3.9
  • Valero 4.0

Pet Policy

Bringing a pet? Here's what Cortland Southpark Terraces 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
  • $400 Fee
  • 80 lb Weight Limit
  • 2 Pet Limit

About Cortland Southpark Terraces Apartments

Located minutes away from Downtown Austin and with walkability to Southpark Meadows Shopping Center, our Onion Creek, Austin apartment community connects you to options for shopping, dining, and entertainment near the heart of the city. Scenic views and designer features like crown molding will make you proud to call any of our spacious 1, 2, and 3-bedroom apartments on South 1st home. Convenient access to major employers like Google Austin, Under Armour, and Oracle makes your everyday commute a breeze. And when you're considering your weekend plans, you have plenty of options nearby. Hop on the Greenbelt and go for a stroll directly from our community, then head into Downtown Austin to explore all its local hotspots. No matter what your day looks like, you'll come home to the hospitality and service of a community team dedicated to you.

Year Built: 2008
Stories: 3
Total Units: 425
Management: Cortland
Phone: (737) 265-5078

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.

44 South Apartments

South Austin

$1,054 - $2,240 Ins: ~$12/mo

Bexley SoCo Apartments

South Austin

$1,069 - $1,633 Ins: ~$12/mo

Bridge at Soco Crossing Apartments

South Austin

$1,179 - $2,739 Ins: ~$14/mo

Canvas Apartments

South Austin

$820 - $1,379 Ins: ~$15/mo

Highlands Hill Country Apartments

South Austin

$1,230 - $2,209 Ins: ~$15/mo

Iron Rock Ranch II Apartments

South Austin

$1,145 - $2,770 Ins: ~$14/mo

Frequently Asked Questions

Does Cortland Southpark Terraces Apartments require renters insurance?
We didn't find a public insurance requirement for Cortland Southpark Terraces 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 Cortland Southpark Terraces Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Cortland Southpark Terraces 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 Cortland Southpark Terraces Apartments?
Plan for $1,282 to $7,806/month all-in. That's base rent ($1,160 - $7,684), plus $108/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 Cortland Southpark Terraces Apartments allow pets?
Yes, Cortland Southpark Terraces Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $400 Fee. 80 lb Weight Limit. 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 Cortland Southpark Terraces Apartments offer?
There are 11 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,160 - $7,684. 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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