Austin, TX

Highland Flats Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Highland Flats Apartments in Midtown Austin? Rent here runs From $895, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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400 Kenniston Dr, Austin, TX 78752

Midtown Austin

Managed by Scarlet Key Properties, LLC Built 1972 2 stories 24 units
2/5 ·3 reviews Apt. Finder
From $895 /month

Monthly Cost Breakdown at Highland Flats Apartments

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

Total Monthly Cost $911
Base Rent $895
Est. Renters Insurance $16/mo

Renters Insurance at Highland Flats Apartments

What Affects Your Premium Here

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

Older Building

Built in 1972 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$16

Est. Monthly

$193

Est. Annual

$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 Highland Flats Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$15,000 recommended

If you own less

$10,000

If you own more

$25,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in Texas

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Highland Flats Apartments:

Carrier Monthly Annual
Lemonade $8/mo $96/yr
USAA $9/mo $108/yr
State Farm $12/mo $144/yr
Progressive $13/mo $156/yr
Safeco $13/mo $156/yr
Travelers $14/mo $168/yr
Allstate $15/mo $180/yr
Nationwide $15/mo $180/yr
Farmers $16/mo $192/yr
Liberty Mutual $18/mo $216/yr

Discounts You May Qualify For

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $16/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

Charged per applicant.

Administrative Fee

Charged per unit.

Parking Fees

Surface Lot

Included

Amenities

Special Features

Boutique Style 24 Unit Community Secure Digital Access 24/Hour Mail Room Onsite Renovated/Secure Laundry Facility

Community Features

Community-Wide WiFi Wi-Fi Laundry Facilities Trash Pickup - Curbside Recycling Public Transportation Storage Space Grill Walk To Campus

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Storage Space Tub/Shower Dishwasher Disposal Ice Maker Stainless Steel Appliances Pantry Kitchen Oven Range Refrigerator Hardwood Floors Vinyl Flooring Walk-In Closets

What's Within Reach

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

Grocery

  • 99 Ranch Market 4.4
  • Dia's Market 4.7
  • Han Yang Market 4.5

Pharmacy

  • Walgreens Pharmacy 4.3
  • Avita Pharmacy 1035 5.0
  • Walgreens Pharmacy 3.5

Hospital

  • Ally Medical Emergency Room - Central Austin 4.9
  • Ascension Seton Medical Center Austin - Emergency 4.1
  • Dell Seton Medical Center at The University of Texas - Emergency 4.1

Gym

  • SoLa CrossFit 4.8
  • Orangetheory Fitness 4.6
  • Los Campeones Gym Austin North 4.8

Restaurant

  • Arpeggio Grill 4.4
  • China Family Restaurant at Highland 4.4
  • Another Broken Egg Cafe 4.9

Park

  • Highland Neighborhood Park 4.3
  • Shipe Neighborhood Park 4.5
  • Beverly S. Sheffield Northwest District Park 4.5

Bank

  • Wells Fargo Bank 2.8
  • Bank of America ATM (Drive-thru) 3.4
  • Frost Bank 3.8

Gas

  • Shell 3.1
  • Exxon 3.8
  • Valero 3.8

Pet Policy

Bringing a pet? Here's what Highland Flats Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Pet policies are negotiable.

About Highland Flats Apartments

Year Built: 1972
Stories: 2 stories
Units: 24
Management: Scarlet Key Properties, LLC
Phone: (512) 337-4610

From the property listing:

1 month FREE RENT with $500 deposit special Free WiFi provided!! Conveniently located in Central Austin, these updated studio apartments are tucked away in a small, quiet complex equipped with a full renovated community washer/dryer facility, secured access for tenants only! With easy access to IH35 and N Lamar Blvd, you are in walking distance from anything you could need including: Highland Neighborhood Park, Galaxy 10 Highland Theatre, Stiles Switch BBQ and just a short walk to Austin Community College, Highland Campus!

Other Options Nearby

Still weighing your choices? These communities are in the same part of Austin — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Highland Flats Apartments require renters insurance?
We didn't find a public insurance requirement for Highland 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 Highland Flats Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). For context, the statewide average is $14/month, so this building is above average.
What will I actually pay per month at Highland Flats Apartments?
Plan for about $911/month all-in. That's base rent (From $895), 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 Highland Flats Apartments allow pets?
Pet policies at Highland Flats Apartments are handled on a case-by-case basis — contact the leasing office for details.
What floor plans does Highland Flats Apartments offer?
There is 1 floor plan available, a 1-bedroom layout. Rent ranges from From $895. 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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