Miller Square & Spanish Trails Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Miller Square & Spanish Trails Apartments in Hyde Park? Rent here runs $799 - $1,799, 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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918-920 E 40th St, Austin, TX 78751

Hyde Park

Managed by Harbor Group Management Built 1971 3 stories 51 units
2/5
$799 - $1,799 /month

Monthly Cost Breakdown at Miller Square & Spanish Trails Apartments

The listed rent isn't the whole number. Here's what Miller Square & Spanish Trails Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $929 – $1,929
Base Rent $799 – $1,799
Required Monthly Fees $114
Est. Renters Insurance $16/mo

Renters Insurance at Miller Square & Spanish Trails Apartments

What Your Lease Requires

These are the specific insurance requirements Miller Square & Spanish Trails Apartments spells out in the lease. Getting these right upfront saves you a headache at move-in.

Accepted Insurance Portals

multifamily-insurance

Accepted Insurance Providers

Miller Square & Spanish Trails Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

kin

From the Miller Square & Spanish Trails Apartments Website

Hassle-free renters' insurance. Opt-in through Multifamily Insurance Partners, LLC.

What Affects Your Premium Here

Every building is different. These factors specific to Miller Square & Spanish Trails Apartments can push your insurance cost up or down:

Older Building

Built in 1971 — older plumbing/electrical may increase risk

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

$16

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 Miller Square & Spanish Trails Apartments based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

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 Miller Square & Spanish Trails Apartments:

Carrier Est. Monthly Est. Annual Tier Buy Online
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 additional charges beyond base rent at Miller Square & Spanish Trails Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Utility - Billing Administrative Fee

Charged per unit.

$1.26 / mo

Valet Trash

Charged per unit.

$39 / mo

Internet Reimbursement

Charged per unit.

$55 / mo

Trash Removal

Charged per unit.

$7 / mo

Pest Control

Charged per unit.

$8 / mo

Utility - Storm water

Charged per unit.

Varies / mo

Utility - Water/Sewer

Charged per unit.

Varies / mo

Application Fee Per Applicant

Charged per applicant.

$50

Administrative Fee

Charged per unit.

$100

Security Deposit - Refundable

Charged per unit.

Varies one-time

Deposit Alternatives Available

Charged per unit.

Varies one-time

Addons Fees

Renter's Insurance

Charged per unit.

$18.75 / mo

Situational Fees

Non-Sufficient Funds

Charged per occurrence.

$50 / occurence

Late Fee

On the 4th Charged per occurrence.

10% of base rent / occurence

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 Miller Square & Spanish Trails Apartments.

1%

Austin overall is safer than only 1% of U.S. cities

This reflects Austin as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: Miller Square & Spanish Trails Apartments has on-site security features (Controlled access) that insurers recognize with premium discounts.

On-Site Security

Controlled access

Amenities

Special Features

Modern Kitchen with Black & Stainless Appliances Pet Friendly Community Kitchen Open to Living Area New Carpet Polished Concrete Floors On-Site Parking Se Habla Español Charming Courtyard Hardwood Plank Flooring Patio or Balcony Designer Floorplan Gas Range for Precision Cooking On University of Texas Bus Route Sparkling Swimming Pool Walk In Closet Deposit alternatives available through Obligo On-Site Laundry Facilities Tile Backsplash

Community Features

Laundry Facilities Recycling Storage Space Walk-Up Courtyard Fitness Center Pool Walking/Biking Trails

Floor Plan Amenities

Ceiling Fans Kitchen Range Walk-In Closets Balcony Patio

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Miller Square & Spanish Trails Apartments.

Grocery

  • Whole Foods Market 4.3
  • H-E-B 4.5
  • Fiesta Mart #25 4.2

Pharmacy

  • H-E-B Pharmacy 3.3
  • Walgreens Pharmacy 3.6
  • Capsule 4.6

Hospital

  • Dell Seton Medical Center at The University of Texas - Emergency 4.1
  • St. David's Medical Center Emergency Room 4.0
  • Austin Emergency Center: Mueller Emergency Room 4.7

Gym

  • SoLa CrossFit 4.8
  • Orangetheory Fitness 4.7
  • 24 Hour Fitness 4.0

Restaurant

  • Kismet Cafe 4.3
  • True Texas BBQ 4.8
  • Wingzup 4.4

Park

  • Shipe Neighborhood Park 4.5
  • Sparky Pocket Park 4.5
  • Patterson Neighborhood Park 4.5

Bank

  • Chase Bank 2.4
  • Chase Bank 3.9
  • Frost Bank ATM 5.0

Gas

  • Shell 3.6
  • Shell 3.6
  • Circle K | Gas Station

About Miller Square & Spanish Trails Apartments

Experience the lifestyle you've been dreaming of at Miller Square & Spanish Trails in Austin, TX. Choose from spacious Studio, 1, 2, and 3 bedroom apartments designed for comfort and style. Enjoy affordable living with modern features and easy access to the best of the city.

Year Built: 1971
Stories: 3
Total Units: 51
Management: Harbor Group Management
Phone: (737) 234-9095

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 Miller Square & Spanish Trails Apartments require renters insurance?
We didn't find a public insurance requirement for Miller Square & Spanish Trails 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 Miller Square & Spanish Trails Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). Miller Square & Spanish Trails Apartments has security features that qualify for discounts — with those applied, you could pay as little as $16/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Miller Square & Spanish Trails Apartments?
Plan for $929 to $1,929/month all-in. That's base rent ($799 - $1,799), plus $114/month in required fees (trash, utilities, etc.), 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 Miller Square & Spanish Trails Apartments offer?
There are 16 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, studio layouts. Rent ranges from $799 - $1,799. 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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