Rio Grande Square Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Rio Grande Square Apartments in West Campus Austin? Rent here runs $1,195, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

Get Renters Insurance for Rio Grande Square Apartments

Compare renters insurance quotes in seconds

2800 Rio Grande St, Austin, TX 78705

West Campus Austin

Built 1958 2 stories 17 units
4/5
$1,195 /month

Monthly Cost Breakdown at Rio Grande Square Apartments

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

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

Renters Insurance at Rio Grande Square Apartments

What Affects Your Premium Here

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

Older Building

Built in 1958 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

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 Rio Grande Square 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 Rio Grande Square 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

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

Compare renters insurance quotes — it's free

Fees Beyond Rent

These are the additional charges beyond base rent at Rio Grande Square Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

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

Garage Lot

Free 1-car parking per apartment.

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 Rio Grande Square Apartments.

On-Site Security

Covered parking

Amenities

Special Features

Parking Spaces Onsite Laundry Facilities Courtyard

Community Features

Laundry Facilities Online Services Pet Play Area Courtyard Grill Private Bathroom Walk To Campus

Floor Plan Amenities

Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Security System Tub/Shower Kitchen Oven Range Refrigerator Hardwood Floors Carpet Vinyl Flooring 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 Rio Grande Square Apartments.

Grocery

  • Friendly Rio Market 4.5
  • Orange Market 4.4
  • Central Market 4.6

Pharmacy

  • CVS Pharmacy 4.2
  • 38th Street Pharmacy 4.9
  • Capsule 4.6

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

  • Mile High Mo's Austin - First Class Food 4.7
  • Cabo Bob's Burritos 4.6
  • Dirty Martin's Place 4.5

Park

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

Bank

  • Chase Bank 3.9
  • Broadway Bank Midtown Financial Center 4.3
  • ATM (ATM Link, Inc.)

Gas

  • Shell 3.5
  • Exxon 3.5
  • Chevron 2.3

Pet Policy

Bringing a pet? Here's what Rio Grande Square 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 Rio Grande Square Apartments

**NO PRICE INCREASE SPECIALS** Lower rates for Fall move-ins. Availability is on a first-come, first-served basis. You can lock in this rate and focus on your academics for the upcoming school year. Enjoy all that one-bedroom life offers - privacy during study hours, cooking up something delicious with ease, even room for hosting some friends over – plus get more bang for your buck than any traditional university housing option. Located on the Rio Grande & 28th streets, among other apartments, student houses, retail stores, condos, and frats/sororities – this area is ripe with plenty of opportunity just waiting at your fingertips! Nearby Neighborhoods: North University, West Campus, Old West, Hyde Park, Central East Austin, Downtown, Riverside, Windsor Road, North Loop, University Hill, Allandale, Montopolis, Triangle State, Brentwood, MLK-183, Hancock. * Free 1-car parking permit * Images are representative of the property, not necessarily the unit.

Year Built: 1958
Stories: 2
Total Units: 17
Phone: (737) 387-4482

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.

San Remo Apartments

West Campus Austin

$1,850 - $2,000 Ins: ~$15/mo

The Kingston Apartments

West Campus Austin

$1,100 - $1,300 Ins: ~$16/mo

Villas on Guadalupe Apartments

West Campus Austin

$830 - $1,325 Ins: ~$13/mo

West Campus Flats Apartments

West Campus Austin

$1,150 Ins: ~$16/mo

1155 Barton Springs Apartments

South Central Austin

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

1883 at Montgomery House Student Living Apartments

Central Austin

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

Frequently Asked Questions

Does Rio Grande Square Apartments require renters insurance?
We didn't find a public insurance requirement for Rio Grande Square 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 Rio Grande Square Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). Rio Grande Square 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 Rio Grande Square Apartments?
Plan for $1,211 to $1,211/month all-in. That's base rent ($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 Rio Grande Square Apartments allow pets?
Yes, Rio Grande Square 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 Rio Grande Square Apartments offer?
There are 1 floor plans to choose from, spanning 1-bedroom layouts. Rent ranges from $1,195. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

Get Renters Insurance for Rio Grande Square Apartments

See how much you could save on renters insurance

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.

SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.