Montage Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Montage Apartments in Central Austin? With rent at $900 - $1,195 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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2812 Rio Grande St, Austin, TX 78705

Central Austin

Built 1967 2 stories 14 units
3/5
$900 - $1,195 /month

Monthly Cost Breakdown at Montage Apartments

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

Total Monthly Cost $916 – $1,211
Base Rent $900 – $1,195
Required Monthly Fees $0
Est. Renters Insurance $16/mo

What You Need to Know About Insurance at Montage Apartments

What Affects Your Premium Here

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

Older Building

Built in 1967 — 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

$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 Montage Apartments based on the rent level and building features.

Personal Property Coverage

$30,000 recommended
Low: $15,000 High: $50,000

Liability Coverage

$100,000 $100,000

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

Required Fees

Application Fee

Charged per applicant.

$100

Administrative Fee

Charged per unit.

$150

Security Deposit - Refundable

Charged per unit.

$500

Pets Fees

Pet Fee

Max of 1. Charged per pet.

$250

Pet Deposit

Max of 1. Charged per pet.

$250

Parking Fees

Surface Lot

Free 1-car parking per resident.

Amenities

Special Features

Onsite Laundry Machines Parking Spaces

Community Features

Laundry Facilities Online Services Walk To Campus

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Security System Tub/Shower Kitchen Oven Range Refrigerator Hardwood Floors Tile Floors Vinyl Flooring Dining Room High Ceilings Office Walk-In Closets Linen Closet Window Coverings

What's Within Reach

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

Grocery

  • Friendly Rio Market 4.5
  • Wheatsville Food Co-op 4.6
  • Central Market 4.6

Pharmacy

  • Walgreens Photo 3.9
  • CVS Pharmacy 4.2
  • 38th Street Pharmacy 4.9

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 4.6
  • Hyde Park Gym 4.8

Restaurant

  • Pita Fusion 4.5
  • Dumont Creamery & Cafe - RoundRock 4.8
  • Cabo Bob's Burritos 4.6

Park

  • Sparky Pocket Park 4.5
  • Adams-Hemphill Neighborhood Park 4.4
  • COA Parks & Recreation Annex 4.5

Bank

  • Broadway Bank Midtown Financial Center 4.3
  • Chase Bank 2.4
  • ATM (ATM Link, Inc.)

Gas

  • Shell 3.5
  • Exxon 3.5
  • Shell 2.9

Pet Policy

Bringing a pet? Here's what Montage 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.

  • Pet policies are negotiable.

About Montage Apartments

**NO PRICE INCREASE SPECIALS**: Availability is on a first-come, first-served basis. Lock in this rate and focus on your academics for the upcoming school year. Enjoy the privacy of the whole unit and avoid those roommate hassles. Well-designed interiors ensure comfort for both studying and living. Cook in your kitchen, host dinner with a friend, and enjoy your living room—experience the freedom of having your own space! Montage Apartments West Campus is a 14-unit central Austin apartment building located on the Rio Grande, the main street running north-south through the University of Texas's west campus at Austin. The area is completely developed with apartments, condominiums, dormitories, retail stores, and fraternity and sorority houses. This affordable independent apartment is within walking and biking distance of the UT Campus.

Year Built: 1967
Stories: 2
Total Units: 14
Phone: (737) 241-3706

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.

1883 at Montgomery House Student Living Apartments

Central Austin

$587 - $1,574 Ins: ~$13/mo

Cedar Street Flats Apartments

Central Austin

$1,250 Ins: ~$16/mo

Eastwood Apartments

Central Austin

$999 - $4,460 Ins: ~$16/mo

Grayson Apartments

Central Austin

$624 - $1,858 Ins: ~$13/mo

Lone Star Lofts

Central Austin

$875 - $3,600 Ins: ~$16/mo

Marq Uptown Apartments

Central Austin

$1,399 - $5,255 Ins: ~$12/mo

Frequently Asked Questions

Does Montage Apartments require renters insurance?
We didn't find a public insurance requirement for Montage 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 Montage Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). Montage 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 Montage Apartments?
Plan for $916 to $1,211/month all-in. That's base rent ($900 - $1,195), 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 Montage Apartments allow pets?
Yes, Montage Apartments is pet-friendly. Here are the details: Pet policies are negotiable.. 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 Montage Apartments offer?
There are 2 floor plans to choose from, spanning 1-bedroom layouts. Rent ranges from $900 - $1,195. 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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