The Kingston Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at The Kingston Apartments in West Campus Austin? Rent here runs $1,100 - $1,300, 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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409 W 38th St, Austin, TX 78705

West Campus Austin

Built 1977 3 stories 29 units
4/5
$1,100 - $1,300 /month

Monthly Cost Breakdown at The Kingston Apartments

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

Total Monthly Cost $1,116 – $1,316
Base Rent $1,100 – $1,300
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at The Kingston Apartments

What Affects Your Premium Here

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

Older Building

Built in 1977 — 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 The Kingston Apartments based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

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 The Kingston 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

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Fees Beyond Rent

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

Required Fees

Utility - Water

Charged per unit.

Included in Rent

Utility - Sewer

Charged per unit.

Included in Rent

Pest Control

Charged per unit.

Included in Rent

Trash

Charged per unit.

Included in Rent

Application Fee Per Applicant

Charged per applicant.

$85

Amenity Fee

Charged per unit.

N/A

Administrative Fee

Charged per unit.

N/A

Move-In Fee

Charged per unit.

N/A

Parking Fees

Parking Fee

Max of 1. Charged per vehicle.

$0 / mo

Parking

Due to limited parking availability, a maximum of one vehicl... Read Moree is permitted per unit. Read Less

Situational Fees

Illegal Dumping Fee

If a resident is found disposing of items that are not permi... Read Moretted, a fee will be assessed to cover the cost of removal and proper disposal. Charged per occurrence. Read Less

$25

Pet Waste

If a resident is found not picking up and disposing of pet w... Read Moreaste a fee will be assessed to cover the cost of removal and proper disposal. Charged per occurrence. Read Less

$25

Pet/Animal - Lease Violation

Unauthorized pet Charged per occurrence.

$250

Monthly Pet Rent

Unauthorized pet(s) - 2 pets max Charged per occurrence.

$25 / mo

Monthly Late Fee

Charged per occurrence.

$50 / mo

NSF Fee

Charged per occurrence.

$50 / occurence

Daily Late Fee

Will be charged daily until the balance is paid in full. Cha... Read Morerged per occurrence. Read Less

$10 / day

Early Lease Termination/Cancellation

Charged per occurrence.

Varies one-time

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 The Kingston Apartments.

1%

Austin overall is safer than only 1% of U.S. cities

This reflects Austin as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: The Kingston Apartments has on-site security features (On site maintenance, Perimeter fencing) that insurers recognize with premium discounts.

On-Site Security

On site maintenance Perimeter fencing

Amenities

Special Features

24 HR EMERGENCY MAINTENANCE Fenced-in space water On-Site Laundry Facilities pest control trash parking sewer Sitting Area

Community Features

Laundry Facilities Recycling Renters Insurance Program Public Transportation Walk To Campus

Floor Plan Amenities

Air Conditioning Heating Ceiling Fans Smoke Free Tub/Shower Disposal Stainless Steel Appliances Kitchen Oven Range Refrigerator Vinyl Flooring Built-In Bookshelves Balcony Patio Yard

What's Within Reach

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

Grocery

  • Whole Foods Market 4.5
  • Central Market 4.6
  • Speedway Market 4.6

Pharmacy

  • 38th Street Pharmacy 4.9
  • Walgreens Specialty Pharmacy 4.2
  • CVS Pharmacy 4.2

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 4.7
  • Hyde Park Gym 4.8

Restaurant

  • Oribello's Bar and Kitchen 4.8
  • Nori 4.8
  • FoodHeads 4.7

Park

  • Central Park 4.6
  • Sparky Pocket Park 4.5
  • Shipe Neighborhood Park 4.5

Bank

  • Sunflower Bank 3.6
  • Bank of America ATM 1.0
  • Broadway Bank Midtown Financial Center 4.3

Gas

  • Shell 2.9
  • Circle K | Gas Station
  • Shell 3.5

About The Kingston Apartments

Welcome to The Kingston, an inviting three-story complex nestled in the vibrant heart of North Campus, bordering the historic Hyde Park neighborhood. Our community offers convenience at its finest, with proximity to Austin's top shopping, dining, and medical establishments. You'll find yourself within walking distance of UT Austin, the Heart Hospital of Austin, Central Market, and The Triangle. For added convenience, public transportation stops are just a few steps away, ensuring easy access to everything Austin has to offer.

Year Built: 1977
Stories: 3
Total Units: 29
Phone: (737) 245-6920

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.

Frequently Asked Questions

Does The Kingston Apartments require renters insurance?
We didn't find a public insurance requirement for The Kingston 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 The Kingston Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). The Kingston 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 The Kingston Apartments?
Plan for $1,116 to $1,316/month all-in. That's base rent ($1,100 - $1,300), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
What floor plans does The Kingston Apartments offer?
There are 3 floor plans to choose from, spanning 1-bedroom layouts. Rent ranges from $1,100 - $1,300. 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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