Settler's Creek Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Settler's Creek Apartments in Southwest Austin? With rent at $1,030 - $1,585 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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8001 Hwy 71 W, Austin, TX 78736

Southwest Austin

Built 1985 2 stories 75 units
4/5 ·1 reviews
$1,030 - $1,585 /month

Monthly Cost Breakdown at Settler's Creek Apartments

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

Total Monthly Cost $1,045 – $1,600
Base Rent $1,030 – $1,585
Required Monthly Fees $0
Est. Renters Insurance $15/mo

What You Need to Know About Insurance at Settler's Creek Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Settler's Creek Apartments can push your insurance cost up or down:

Older Building

Built in 1985 — 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 Settler's Creek 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 Settler's Creek 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 Settler's Creek Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Pets Fees

Pet Deposit

Two pet maximum. Pets must be over 1 year old and weigh no m... Read Moreore than 50 pounds. No exotic animals. Some breed restrictions apply. A pet deposit of $200 is required per pet and a non-refundable fee of $200 is required. We accept cats and dogs. Read Less

$200

Parking Fees

Surface 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 Settler's Creek 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: Settler's Creek Apartments has on-site security features (Property manager on site) that insurers recognize with premium discounts.

On-Site Security

Property manager on site

Amenities

Special Features

Stainless Steel Appliances* BBQ & Picnic Area Sunken Living Rooms* Cabinet Upgrades* Plank Flooring Washer Dryer Included Upgraded Lighting Designer Homes* Natural Light In Select Units* Walk in closet Pool View* Built-In Bookshelves*

Community Features

Laundry Facilities Maintenance on site Grill Picnic Area Pool

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Storage Space Tub/Shower Fireplace Dishwasher Disposal Kitchen Microwave Range Refrigerator Carpet Tile Floors Vinyl Flooring Dining Room Views Walk-In Closets Window Coverings Balcony

What's Within Reach

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

Pharmacy

  • Walgreens Photo 4.3
  • H-E-B Pharmacy 2.9
  • Lake Hills Pharmacy 4.8

Hospital

  • Ascension Seton Southwest Emergency 4.5
  • Emergency Room (ER) at Baylor Scott & White Health Medical Center - Austin 4.5
  • Ascension Seton Southwest Hospital 4.0

Gym

  • Orangetheory Fitness 4.5
  • Defiant CrossFit 5.0
  • Los Campeones Gym Austin South 4.7

Restaurant

  • Pita Fusion 4.5
  • Jack Allen's Kitchen Oak Hill 4.6
  • Jim's Restaurants 4.4

Park

  • Windmill Run Park 4.7
  • Dick Nichols District Park 4.6
  • Scenic Brook Park 4.5

Bank

  • Bank of America ATM (Drive-thru) 3.4
  • Atm 5.0
  • HEB ATM 5.0

Gas

  • Exxon 3.8
  • Valero 4.2
  • Exxon 4.1

Pet Policy

Bringing a pet? Here's what Settler's Creek 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

  • $200 Deposit
  • $200 Fee
  • 50 lb Weight Limit
  • 2 Pet Limit

About Settler's Creek Apartments

Imagine a setting of country living within the Austin City Limits. The apartment homes at Settler's Creek Apartments feature an array of modern amenities and many extras for your convenience. Choose from a variety of living spaces designed to meet your every need. Featuring spacious floorplans and creekside views. Only fifteen minutes from downtown Austin and twenty minutes from Lake Travis and Lake Austin. You'll be close to transportation, shopping, and great entertainment. Call today to make Settler's Creek Apartments your new home!

Year Built: 1985
Stories: 2
Total Units: 75
Phone: (737) 204-9114

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

Monterey Ranch Apartments

Southwest Austin

$925 - $2,870 Ins: ~$15/mo

Ocotillo Apartments

Southwest Austin

$1,242 - $2,363 Ins: ~$13/mo

The Markson Austin Apartments

Southwest Austin

$1,137 - $9,068 Ins: ~$12/mo

Frequently Asked Questions

Does Settler's Creek Apartments require renters insurance?
We didn't find a public insurance requirement for Settler's Creek 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 Settler's Creek Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Settler's Creek 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 Settler's Creek Apartments?
Plan for $1,045 to $1,600/month all-in. That's base rent ($1,030 - $1,585), 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 Settler's Creek Apartments allow pets?
Yes, Settler's Creek Apartments is pet-friendly. Here are the details: Cats Allowed. $200 Deposit. $200 Fee. 50 lb Weight Limit. 2 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 Settler's Creek Apartments offer?
There are 3 floor plans to choose from, spanning 2-bedroom layouts. Rent ranges from $1,030 - $1,585. 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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