MAA Western Oaks Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at MAA Western Oaks Apartments in Southwest Austin? With rent at $1,283 - $4,958 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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8801 La Cresada Dr, Austin, TX 78749

Southwest Austin

Managed by MAA Built 2001 3 stories 479 units
4/5 ·7 reviews
$1,283 - $4,958 /month

Monthly Cost Breakdown at MAA Western Oaks Apartments

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

Total Monthly Cost $1,369 – $5,044
Base Rent $1,283 – $4,958
Required Monthly Fees $72
Est. Renters Insurance $14/mo

What You Need to Know About Insurance at MAA Western Oaks Apartments

What Affects Your Premium Here

Every building is different. These factors specific to MAA Western Oaks 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 MAA Western Oaks 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 MAA Western Oaks 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 MAA Western Oaks Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Community Fee

Charged per unit.

$18 / mo

Application Fee Per Applicant

Charged per applicant.

$60

Administrative Fee

Charged per unit.

$160

Parking Fees

Parking Fee

Charged per vehicle.

$100 / mo

Surface Lot

Yes, no additional cost

Garage Lot

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 MAA Western Oaks 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: MAA Western Oaks Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, Gated access, On site maintenance) that insurers recognize with premium discounts.

On-Site Security

Package service Controlled access Property manager on site Gated Gated access On site maintenance

Amenities

Special Features

Business Center With Wifi Cordless Blinds Storage Units Washer And Dryer Gated Community Outdoor Grill Area Shuffleboard At&t Fiber Attached Garages Courtesy Officer Emergency Maintenance Planned Social Events Storage Dog Wash Station Pet Friendly No Breed Restrictions Outdoor Firepit Rv Parking Wifi Hotspot 24/7 Gym Access Conference Room Grilling Area On Site Property Manager Picnic/bbq Area Handicap Accessible Movie Theater On Site Maintenance Stayfit Spa Additional Storage Attached Garage Boat Parking Coffee Bar

Community Features

Community-Wide WiFi Wi-Fi Maintenance on site Recycling Planned Social Activities Pet Play Area Pet Washing Station Business Center Storage Space Conference Rooms Walk-Up Cabana Courtyard Grill Fitness Center Pool Walking/Biking Trails Media Center/Movie Theatre

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Storage Space Double Vanities Tub/Shower Fireplace Dishwasher Disposal Ice Maker Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Hardwood Floors Carpet Tile Floors Vinyl Flooring Dining Room Family Room Office Views Walk-In Closets Balcony Patio

Pet Policy

Bringing a pet? Here's what MAA Western Oaks 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

  • 2 Pet Limit

About MAA Western Oaks Apartments

TOUR YOUR WAY! We have a tour to fit your needs- virtual, self-guided, or agent-guided. Find your next home at MAA Western Oaks in Austin, TX. These stylish and luxurious one-, two-, and three-bedroom apartments offer gas fireplaces, gourmet kitchens, wood floors, and more. Our pet-friendly community features a large dog park and other great amenities, including two gorgeous swimming pools and detached garages. MAA Western Oaks is just feet away from exciting trailheads for excellent in-town hiking. It's minutes from MoPac for an easy trip to the center of Austin, and our neighborhood is zoned for three great schools in the Austin school system.

Year Built: 2001
Stories: 3
Total Units: 479
Management: MAA
Phone: (737) 377-3454

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.

Barton Creek Villas Apartments

Southwest Austin

$1,681 - $25,410 Ins: ~$15/mo

Callista Hill Country Apartments

Southwest Austin

$1,099 - $2,943 Ins: ~$14/mo

Monterey Ranch Apartments

Southwest Austin

$925 - $2,870 Ins: ~$15/mo

Ocotillo Apartments

Southwest Austin

$1,242 - $2,363 Ins: ~$13/mo

Settler's Creek Apartments

Southwest Austin

$1,030 - $1,585 Ins: ~$15/mo

The Markson Austin Apartments

Southwest Austin

$1,137 - $9,068 Ins: ~$12/mo

Frequently Asked Questions

Does MAA Western Oaks Apartments require renters insurance?
We didn't find a public insurance requirement for MAA Western Oaks 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 MAA Western Oaks Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). MAA Western Oaks 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 MAA Western Oaks Apartments?
Plan for $1,369 to $5,044/month all-in. That's base rent ($1,283 - $4,958), plus $72/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 MAA Western Oaks Apartments allow pets?
Yes, MAA Western Oaks Apartments is pet-friendly. Here are the details: Cats Allowed. 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 MAA Western Oaks Apartments offer?
There are 9 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,283 - $4,958. 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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