Shady Oaks Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Shady Oaks Apartments in South Lamar? Rent here runs From $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.

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3712 Manchaca Rd, Austin, TX 78704

South Lamar

Built 1979 2 stories 14 units
3/5 ·4 reviews Apt. Finder
From $1,195 /month

Monthly Cost Breakdown at Shady Oaks Apartments

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

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

Renters Insurance at Shady Oaks Apartments

What Affects Your Premium Here

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

Older Building

Built in 1979 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$16

Est. Monthly

$193

Est. Annual

$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 Shady Oaks Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Shady Oaks Apartments:

Carrier Monthly Annual
Lemonade $8/mo $96/yr
USAA $9/mo $108/yr
State Farm $12/mo $144/yr
Progressive $13/mo $156/yr
Safeco $13/mo $156/yr
Travelers $14/mo $168/yr
Allstate $15/mo $180/yr
Nationwide $15/mo $180/yr
Farmers $16/mo $192/yr
Liberty Mutual $18/mo $216/yr

Discounts You May Qualify For

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $16/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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Fees Beyond Rent

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

Pets Fees

One-Time Pet Fee

Charged per pet.

Free

Pet Deposit

Charged per pet.

$300

Monthly Pet Fee

Charged per pet.

Free

Amenities

Community Features

Laundry Facilities

Floor Plan Amenities

Air Conditioning Heating Ceiling Fans Smoke Free Dishwasher Disposal Pantry Vinyl Flooring Walk-In Closets Balcony Patio

What's Within Reach

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

Pharmacy

  • VMC Compounding Pharmacy 4.5
  • Peoples Rx, Austin's Wellness Headquarters 4.5
  • CVS Pharmacy 3.9

Hospital

  • Austin Emergency Center: South Lamar Emergency Room 4.6
  • St. David's South Austin Medical Center Emergency Room 4.1
  • Ally Medical Emergency Room - South Austin 4.9

Gym

  • SoLa CrossFit 4.8
  • FeV Iron Vault Gym 4.9
  • Gold's Gym Austin South Central 3.7

Restaurant

  • Fig Italian Kitchen & Bar 4.8
  • Briscuits 4.7
  • The Potluck 4.7

Park

  • South Austin Recreation Center 4.4
  • South Austin Neighborhood Park 4.7
  • King Suite w/ Private Balcony | Steps to Zilker Park & Lady Bird | The Code by AvantStay

Bank

  • Austin Telco Federal Credit Union 3.3
  • Bank of America ATM (Drive-thru) 1.9
  • Bank of America (with Drive-thru ATM) 2.2

Gas

  • Texan Market 4.3
  • Valero 4.0
  • Exxon 3.5

Pet Policy

Bringing a pet? Here's what Shady Oaks 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
$300 Deposit

About Shady Oaks Apartments

Year Built: 1979
Stories: 2 stories
Units: 14
Phone: (657) 220-7754

From the property listing:

ASK ME ABOUNT OUR MOVE-IN SPECIALS! Have (1) Unit avail ... one upstairs and (1) Down, Shady Oaks provides a relaxed and quiet place to live, while avoiding the hustle and bustle of Large Apartments complexes. This Unit just went through a complete renovation. Featuring: New Flooring, Window Blinds, Countertops, Appliances, HVAC and Paint. "Shady Oaks" is conveniently located in walking distance to multiple Restaurants and Hot Spots, i.e., "Radio", "Matts El Rancho" and "Kerby Lane" , (all 3 are Austin Originals).

Other Options Nearby

Still weighing your choices? Other communities in Austin — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Shady Oaks Apartments require renters insurance?
We didn't find a public insurance requirement for Shady Oaks 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 Shady Oaks Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). For context, the statewide average is $14/month, so this building is above average.
What will I actually pay per month at Shady Oaks Apartments?
Plan for about $1,211/month all-in. That's base rent (From $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 Shady Oaks Apartments allow pets?
Yes, Shady Oaks Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $300 Deposit. 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 Shady Oaks Apartments offer?
There is 1 floor plan available, a studio layout. Rent ranges from From $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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