Monterey Ranch Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Monterey Ranch Apartments in Southwest Austin? With rent at $925 - $2,870 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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4701 Staggerbrush Rd, Austin, TX 78749

Southwest Austin

Managed by Northland Built 1996 3 stories 1072 units
5/5 ·32 reviews
$925 - $2,870 /month

Monthly Cost Breakdown at Monterey Ranch Apartments

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

Total Monthly Cost $940 – $2,885
Base Rent $925 – $2,870
Required Monthly Fees $0
Est. Renters Insurance $15/mo

What You Need to Know About Insurance at Monterey Ranch Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Monterey Ranch 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

Dog-Friendly

Dogs allowed — consider higher liability coverage

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$15

Est. Monthly

$176

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 Monterey Ranch Apartments 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

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 Monterey Ranch 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 Monterey Ranch Apartments 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.

$199

Pets Fees

Dog Fee

Charged per pet.

$375

Dog Rent

Charged per pet.

$25 / mo

Cat Fee

Charged per pet.

$375

Cat Rent

Charged per pet.

$25 / mo

Parking Fees

Parking Fee

Max of 1. Charged per vehicle.

$100 / mo

Parking Fee

Max of 1. Charged per vehicle.

$45 / mo

Covered

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 Monterey Ranch 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: Monterey Ranch Apartments has on-site security features (Controlled access, Gated, Covered parking, Perimeter fencing) that insurers recognize with premium discounts.

On-Site Security

Controlled access Gated Covered parking Perimeter fencing

Amenities

Special Features

Courtyard* Detached Garages Kitchen Pantry Preferred Employer Program Private Patio/Balcony with storage White Shaker Cabinetry (Deluxe Homes) ADA Modified* Control Access Gate Covered Parking Designer Track Lighting (Deluxe Homes) Formal Dining Area Outdoor Yoga Deck Quartz countertops* Yoga Studio and Peloton Spin Studio Dog Parks Fenced Yards Formal Dining Area* Fully Equipped Fitness Center Ice-Maker Media Room Microwave* Online Payments Available Outdoor Fitness Area Soccer Field Stainless Steel Appliances (Deluxe Homes) White Appliances (Classic Homes) Carports Clubhouse featuring Billiards and Shuffleboard Greenbelt View* Internet with speeds up to 200Mbps x 10Mbps Luxury vinyl plank flooring* Quartz Countertops (Deluxe Homes) Solar Shades Top Floor 2nd Story* Cable TV with 150+ HD channels Complementary Stackable Washer and Dryer (Studio) Four Swimming Pools Full-Size Washer and Dryer (Deluxe Homes) Laundry Care Centers Short Term Lease Spacious Closets Walk in Closets* Wood-Style Plank Flooring (Deluxe Homes) Ceiling Fan Ice-Maker* Pet Friendly Pickleball Courts Wood Grain Vinyl* Ceiling Fan* Central Heat & Air Exercise Studio with Group Fitness Classes Greenbelt View Internet with speeds from 300Mbps to 1 gig On-Site Management Outdoor Grilling and Picnic Areas

Community Features

Wi-Fi Maintenance on site Wheelchair Accessible Clubhouse Storage Space Walk-Up Courtyard Picnic Area Fitness Center Pool Tennis Court Volleyball Court Walking/Biking Trails Media Center/Movie Theatre Pickleball Court

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Tub/Shower Dishwasher Ice Maker Stainless Steel Appliances Pantry Kitchen Microwave Range Refrigerator Quartz Countertops Carpet Vinyl Flooring Dining Room Views Walk-In Closets Window Coverings Balcony Patio Deck Yard

What's Within Reach

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

Grocery

  • Target Grocery 3.9
  • H-E-B 4.5
  • Central Market 4.6

Pharmacy

  • Austin Regional Clinic: ARC South Ob-Gyn 4.2
  • CVS Pharmacy 4.2
  • Walgreens Pharmacy 3.9

Hospital

  • Emergency Room (ER) at Baylor Scott & White Health Medical Center - Austin 4.5
  • Baylor Scott & White Medical Center - Austin 4.4
  • Ascension Seton Southwest Emergency 4.5

Gym

  • SoLa CrossFit 4.8
  • Orangetheory Fitness 4.6
  • MONTEREY RANCH - Gym 4.5

Park

  • Dick Nichols District Park 4.6
  • Sendera Mesa Neighborhood Park 4.4
  • Williamson Creek West Greenbelt 4.8

Bank

  • ATM 5.0
  • Chase Bank 3.3
  • Frost Bank 3.8

Gas

  • La Traila #4 4.4
  • ATM 5.0

Pet Policy

Bringing a pet? Here's what Monterey Ranch 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 and Dogs Allowed

  • $25 Monthly Pet Rent
  • $375 Fee
  • 3 Pet Limit

About Monterey Ranch Apartments

Take advantage of an array of amenities right in your community including 5 swimming pools, hiking and biking trails, a state-of-the-art fitness center with classes, 2 tennis courts, volleyball court, soccer field, dog parks, and a community center with a movie theater, rec room, and more!

Year Built: 1996
Stories: 3
Total Units: 1072
Management: Northland
Phone: (737) 377-6651

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

MAA Western Oaks Apartments

Southwest Austin

$1,283 - $4,958 Ins: ~$14/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 Monterey Ranch Apartments require renters insurance?
We didn't find a public insurance requirement for Monterey Ranch 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 Monterey Ranch Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Monterey Ranch Apartments 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 Monterey Ranch Apartments?
Plan for $940 to $2,885/month all-in. That's base rent ($925 - $2,870), 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 Monterey Ranch Apartments allow pets?
Yes, Monterey Ranch Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $25 Monthly Pet Rent. $375 Fee. 3 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 Monterey Ranch Apartments offer?
There are 16 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, studio layouts. Rent ranges from $925 - $2,870. 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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