Villas on Rio Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at Villas on Rio Apartments in Central Austin? Rent here runs $989 - $1,899, and renters insurance adds about $12/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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2111 Rio Grande St, Austin, TX 78705

Central Austin

Built 2021 19 stories 279 units
5/5 ·134 reviews
$989 - $1,899 /month

Monthly Cost Breakdown at Villas on Rio Apartments

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

Total Monthly Cost $1,097 – $2,007
Base Rent $989 – $1,899
Required Monthly Fees $96
Est. Renters Insurance $12/mo

Renters Insurance at Villas on Rio Apartments

Accepted Insurance Providers

Villas on Rio Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

sure kin

What Affects Your Premium Here

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

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

What You'll Likely Pay

$12

Est. Monthly

$147

Est. Annual

$11

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 Villas on Rio 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 Villas on Rio 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

Controlled access

Up to 3% off

Sprinkler system

Up to 5% 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 additional charges beyond base rent at Villas on Rio Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Boiler Fee

Split within # of residents in unit. Charged per unit.

$24 / mo

Application Fee Per Applicant

Charged per applicant.

$200

Telecom

One-time set up fee. Charged per unit.

$123

Security Deposit - Refundable

Charged per unit.

$250

Pets Fees

Pet Deposit

Max of 2. Charged per pet.

$250

One-Time Pet Fee

Max of 2. Charged per pet.

$300 - $300

Monthly Pet Fee

Max of 2. Charged per pet.

$25 / mo

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 Villas on Rio Apartments.

On-Site Security

Package service Controlled access Property manager on site Video patrol Doorman Sprinklers

Amenities

Special Features

Bluetooth Shower Heads* Starbucks Retail Onsite Fitness Center and Spa Spa Baths with Large Soaking Tubs and Dual Vanities 65” TVs in Each Living Room Bluetooth Speakers Pre-installed Designer Lighting Walk-in closets* Chef Kitchens with Islands, Peninsulas, or Breakfast Bars Designer Roller Shades for Windows

Community Features

Community-Wide WiFi Wi-Fi Maintenance on site 24 Hour Access Furnished Units Available On-Site Retail Recycling Renters Insurance Program Online Services Planned Social Activities Key Fob Entry Elevator Business Center Clubhouse Lounge Breakfast/Coffee Concierge Disposal Chutes Roof Terrace Cabana Grill Fitness Center Hot Tub Sauna Pool Bicycle Storage Basketball Court Individual Locking Bedrooms Private Bathroom Roommate Matching Study Lounge Walk To Campus Individual Leases Available

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Trash Compactor Double Vanities Tub/Shower Sprinkler System Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Breakfast Nook Vinyl Flooring Built-In Bookshelves Views Walk-In Closets Furnished Window Coverings Large Bedrooms

What's Within Reach

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

Grocery

  • Rio Mart 4.6
  • Target Grocery 4.2
  • West Campus Market 3.6

Pharmacy

  • CVS Pharmacy 4.2
  • CVS Pharmacy 3.4

Hospital

  • Dell Seton Medical Center at The University of Texas - Emergency 4.1
  • Ascension Seton Medical Center Austin - Emergency 4.1
  • St. David's Medical Center Emergency Room 4.0

Gym

  • SoLa CrossFit 4.8
  • Orangetheory Fitness 4.8
  • Pure Pilates Austin 4.8

Restaurant

  • Foodie's Kitchen 4.9
  • Acre 41 4.8
  • 1914 Noodles and More 4.8

Park

  • Austin Recreation Center 4.5
  • Sparky Pocket Park 4.5
  • Adams-Hemphill Neighborhood Park 4.4

Bank

  • ATM (ATM Link, Inc.)
  • ATM (ATM Link, Inc.)

Gas

  • Foodie's Corner 3.5

Pet Policy

Bringing a pet? Here's what Villas on Rio 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

  • $250 Deposit
  • $25 Monthly Pet Rent
  • 2 Pet Limit

About Villas on Rio Apartments

Villas on Rio features spacious apartments designed for comfort and convenience. Floorplans range from one to four bedrooms, complete with stainless steel appliances, quartz countertops, and in-unit laundry. Enjoy resort-style amenities like a pool, fitness center, and clubhouse, along with easy access to local shopping and dining. Villas on Rio creates a vibrant student living experience for College Station residents. Now leasing for Fall 2026!

Year Built: 2021
Stories: 19
Total Units: 279
Phone: (737) 378-8847

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.

1883 at Montgomery House Student Living Apartments

Central Austin

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

Cedar Street Flats Apartments

Central Austin

$1,250 Ins: ~$16/mo

Eastwood Apartments

Central Austin

$999 - $4,460 Ins: ~$16/mo

Grayson Apartments

Central Austin

$624 - $1,858 Ins: ~$13/mo

Lone Star Lofts

Central Austin

$875 - $3,600 Ins: ~$16/mo

Marq Uptown Apartments

Central Austin

$1,399 - $5,255 Ins: ~$12/mo

Frequently Asked Questions

Does Villas on Rio Apartments require renters insurance?
We didn't find a public insurance requirement for Villas on Rio 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 Villas on Rio Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). Villas on Rio Apartments has security features that qualify for discounts — with those applied, you could pay as little as $11/month. For context, the statewide average is $14/month, so this building is below average.
What will I actually pay per month at Villas on Rio Apartments?
Plan for $1,097 to $2,007/month all-in. That's base rent ($989 - $1,899), plus $96/month in required fees (trash, utilities, etc.), plus roughly $12/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Villas on Rio Apartments allow pets?
Yes, Villas on Rio Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $250 Deposit. $25 Monthly Pet Rent. 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 Villas on Rio Apartments offer?
There are 25 floor plans to choose from, spanning 2-bedroom, 3-bedroom, 4-bedroom, 5-bedroom, studio layouts. Rent ranges from $989 - $1,899. 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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