Lone Star Lofts: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Lone Star Lofts in Central Austin? With rent at $875 - $3,600 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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2408 Leon St, Austin, TX 78705

Central Austin

Managed by 512 Realty Built 1965 3 stories 49 units
4/5
$875 - $3,600 /month

Monthly Cost Breakdown at Lone Star Lofts

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

Total Monthly Cost $891 – $3,616
Base Rent $875 – $3,600
Required Monthly Fees $0
Est. Renters Insurance $16/mo

What You Need to Know About Insurance at Lone Star Lofts

What Affects Your Premium Here

Every building is different. These factors specific to Lone Star Lofts can push your insurance cost up or down:

Older Building

Built in 1965 — older plumbing/electrical may increase risk

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

$16

Est. Monthly

$193

Est. Annual

$14

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 Lone Star Lofts 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

Pool on premises — higher liability recommended

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Lone Star Lofts:

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

Sprinkler system

Up to 5% 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 Lone Star Lofts 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.

$75

Administrative Fee

Charged per unit.

$75

Parking Fees

Parking Fee

Max of 1. Charged per vehicle.

$0.01 - $90 / mo

Parking Fee

Max of 1. Charged per vehicle.

$0.01 - $140 / mo

Garage Lot

Single private spot $90 Shared lane (for 2 cars) $140

Covered

Single private spot $90 Shared lane (for 2 cars) $140

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 Lone Star Lofts.

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: Lone Star Lofts has on-site security features (Package service, Controlled access, Gated, Sprinklers) that insurers recognize with premium discounts.

On-Site Security

Package service Controlled access Gated Sprinklers

Amenities

Special Features

None Roommate Matching Available! All Allocated Amazon Locker Euro Combo W/D In Unit W/D Parking Available for an Additional Monthly Cost By-the-bed leasing! Cable Included! By-the-bed lease!

Community Features

Community-Wide WiFi Trash Pickup - Door to Door Elevator Sundeck Grill Hot Tub Pool Individual Locking Bedrooms Private Bathroom Walk To Campus

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Tub/Shower Sprinkler System Dishwasher Disposal Stainless Steel Appliances Pantry Kitchen Microwave Oven Range Refrigerator Freezer 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 Lone Star Lofts.

Grocery

  • Orange Market 2 4.3
  • Orange Market 4.4
  • Whole Foods Market 4.5

Pharmacy

  • CVS Pharmacy 4.2
  • CVS Pharmacy 3.4

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

  • SoLa CrossFit 4.8
  • Orangetheory Fitness 4.8
  • Gym Elite 5.0

Restaurant

  • Pita Fusion 4.5
  • Chef Hong 4.8
  • Foodie's Kitchen 4.9

Park

  • Eastwoods Neighborhood Park 4.6
  • Sparky Pocket Park 4.5
  • Adams-Hemphill Neighborhood Park 4.4

Gas

  • Shell 3.5
  • Shell 2.9

About Lone Star Lofts

The largest bedrooms in West Campus - Easy walk to UT campus! Heated pool with giant hot tub! Full Washer & Dryer in unit. Parking additional $75/mo for single reserved spot or $100/mo for tandem reserved spot. Internet/Wifi is charged in addition to rent at $15/occupant. Valet trash is charged in addition to rent at $20/unit. Virtual Tour Links: 2 bed: 3 bed: 4 bed:

Year Built: 1965
Stories: 3
Total Units: 49
Management: 512 Realty
Phone: (737) 247-7125

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.

Frequently Asked Questions

Does Lone Star Lofts require renters insurance?
We didn't find a public insurance requirement for Lone Star Lofts, 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 Lone Star Lofts?
For this zip code and building type, expect to pay around $16/month ($193/year). Lone Star Lofts has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Lone Star Lofts?
Plan for $891 to $3,616/month all-in. That's base rent ($875 - $3,600), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
What floor plans does Lone Star Lofts offer?
There are 5 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 4-bedroom, studio layouts. Rent ranges from $875 - $3,600. 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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