Mission James Place Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Mission James Place Apartments in South Central Austin? With rent at $885 - $2,012 and renters insurance running about $15/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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4009 Victory Dr, Austin, TX 78704

South Central Austin

Managed by CalSTRS Built 1983 3 stories 283 units
4/5 ·16 reviews
$885 - $2,012 /month

Monthly Cost Breakdown at Mission James Place Apartments

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

Total Monthly Cost $1,047 – $2,174
Base Rent $885 – $2,012
Required Monthly Fees $147
Est. Renters Insurance $15/mo

What You Need to Know About Insurance at Mission James Place Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Mission James Place Apartments can push your insurance cost up or down:

Older Building

Built in 1983 — 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

$15

Est. Monthly

$176

Est. Annual

$15

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 Mission James Place 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

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 Mission James Place 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

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 Mission James Place Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Valet Trash

Charged per unit.

$35 / mo

Pest Control

Charged per unit.

$7 / mo

Application Fee Per Applicant

Charged per applicant.

$75

Administrative Fee

Charged per unit.

$175

Pets Fees

Dog Fee

Charged per pet.

$400

Dog Rent

Charged per pet.

$25 / mo

Cat Fee

Charged per pet.

$400

Cat Rent

Charged per pet.

$25 / mo

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 Mission James Place 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: Mission James Place Apartments has on-site security features (Package service, Property manager on site) that insurers recognize with premium discounts.

On-Site Security

Package service Property manager on site

Amenities

Special Features

Ceiling fans* Pet friendly: Puppies and kittens welcome Granite countertops* Kitchen pantry Private patio or balcony* Stainless steel appliances* Abundant Green Spaces and Courtyards Vaulted ceilings* Grilling Areas Fireplace* Oversized closets* Pet wash Share the Air: Smoke-free community Washer and dryer

Community Features

Community-Wide WiFi Wi-Fi Maintenance on site Trash Pickup - Door to Door Recycling Composting Pet Washing Station Public Transportation Wheelchair Accessible Business Center Conference Rooms Courtyard Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Tub/Shower Fireplace Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Kitchen Oven Refrigerator Carpet Vinyl Flooring Vaulted Ceiling Walk-In Closets Window Coverings Large Bedrooms Balcony Patio

What's Within Reach

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

Grocery

  • WFM Coffee Bar 4.3
  • Sprouts Farmers Market 4.4
  • Central Market 4.6

Pharmacy

  • VMC Compounding Pharmacy 4.5
  • CVS Pharmacy 3.9
  • VMC Pharmacy Health & Wellness Products 4.7

Hospital

  • Austin Emergency Center: South Lamar Emergency Room 4.6
  • St. David's South Austin Medical Center Emergency Room 4.1
  • Dell Seton Medical Center at The University of Texas - Emergency 4.1

Gym

  • SoLa CrossFit 4.8
  • Orangetheory Fitness 4.6
  • LA Fitness 4.1

Restaurant

  • Pita Fusion 4.5
  • Rose Gose 4.7
  • Mission Burger Co. 4.9

Park

  • South Austin Recreation Center 4.4
  • South Austin Neighborhood Park 4.7
  • Butler Metro Park 4.7

Bank

  • Chase Bank 3.1
  • Bank of America ATM (Drive-thru) 2.8
  • Bank of America ATM 2.2

Gas

  • Texan Market 4.3
  • Randalls Fuel Station 4.3
  • Exxon 3.5

Pet Policy

Bringing a pet? Here's what Mission James Place 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

About Mission James Place Apartments

Ideally situated 20 minutes south of downtown Austin, Mission James Place offers a selection of studio, 1, and 2 bedroom apartments in the trendy and artistic neighborhood of South Lamar. Our pet-friendly apartments put the best of Bat City at your fingertips while being the perfect place to come home after a day out on the town. After all, everything you need to thrive is right here at home. Laundry? Each home has a private washer and dryer. Time to break a sweat? Customize your workout in our fitness center. Ready to catch some rays? Head to one of the 3 community pools for a relaxing dip. At Mission James Place, our community was built with you in mind!

Year Built: 1983
Stories: 3
Total Units: 283
Management: CalSTRS
Phone: (737) 377-1336

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.

1155 Barton Springs Apartments

South Central Austin

$3,600 - $6,499 Ins: ~$12/mo

Cole Apartments

South Central Austin

$1,632 - $7,980 Ins: ~$13/mo

Fifteen15 South Lamar Apartments

South Central Austin

$1,311 - $3,351 Ins: ~$12/mo

South Lamar Village Apartments

South Central Austin

$896 - $3,431 Ins: ~$15/mo

Stoney Ridge Apartments

South Central Austin

$1,025 - $1,660 Ins: ~$15/mo

The 704 Apartments

South Central Austin

$949 - $18,509 Ins: ~$13/mo

Frequently Asked Questions

Does Mission James Place Apartments require renters insurance?
We didn't find a public insurance requirement for Mission James Place 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 Mission James Place Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Mission James Place Apartments has security features that qualify for discounts — with those applied, you could pay as little as $15/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Mission James Place Apartments?
Plan for $1,047 to $2,174/month all-in. That's base rent ($885 - $2,012), plus $147/month in required fees (trash, utilities, etc.), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Mission James Place Apartments allow pets?
Yes, Mission James Place Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $400 Fee. 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 Mission James Place Apartments offer?
There are 6 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $885 - $2,012. 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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