West Campus Flats Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 04, 2026

Thinking about renting at West Campus Flats Apartments in West Campus Austin? Rent here runs $1,150, 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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2102-2106 San Gabriel St, Austin, TX 78705

West Campus Austin

Built 1972 2 stories 28 units
4/5
$1,150 /month

Monthly Cost Breakdown at West Campus Flats Apartments

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

Total Monthly Cost $1,166 – $1,166
Base Rent $1,150
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at West Campus Flats Apartments

What Affects Your Premium Here

Every building is different. These factors specific to West Campus Flats Apartments can push your insurance cost up or down:

Older Building

Built in 1972 — 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 West Campus Flats Apartments based on the rent level and building features.

Personal Property Coverage

$30,000 recommended
Low: $15,000 High: $50,000

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 West Campus Flats 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 West Campus Flats 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

Pets Fees

One-Time Pet Fee

Max of 1. Charged per pet.

$250

Pet Deposit

Max of 1. Charged per pet.

$250

Parking Fees

Parking Fee

Max of 1. Charged per unit.

$0 / mo

Parking

Free parking.

Amenities

Special Features

Parking Courtyard Cable ready On-site Laundry Facilities Large walk-in closet Online Portal Access

Community Features

Laundry Facilities Furnished Units Available Recycling Online Services Vintage Building Courtyard Walk To Campus

Floor Plan Amenities

Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Security System Kitchen Oven Range Refrigerator Hardwood Floors Vinyl Flooring Walk-In Closets Window Coverings 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 West Campus Flats Apartments.

Grocery

  • Orange Market 2 4.3
  • West Campus Market 3.6
  • Whole Foods Market 4.5

Pharmacy

  • CVS Pharmacy 4.2
  • Capsule 4.6
  • 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
  • Gold's Gym Austin Downtown 3.8

Restaurant

  • Pita Fusion 4.5
  • Acre 41 4.8
  • Chef Hong 4.8

Park

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

Bank

  • Austin Telco Federal Credit Union 3.3
  • Chase Bank 3.9
  • Broadway Bank Midtown Financial Center 4.3

Gas

  • Shell 3.5
  • Shell 2.9
  • Exxon 3.5

Pet Policy

Bringing a pet? Here's what West Campus Flats 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

  • $250 Deposit
  • $250 Fee
  • 25 lb Weight Limit
  • 1 Pet Limit

About West Campus Flats Apartments

The Westside Group | westsidegroup-com/west-campus-flats ** NO PRICE INCREASE SPECIALS ** Availability is on a first-come, first-served basis. Lock in this rate and focus on your academics for the upcoming school year. Enjoy your own space and avoid those roommate hassles. Make West Campus Flats your home for Fall 2026 and unlock all sorts of conveniences, like a free 1-car parking permit with gas and trash included, so you don't have to spend a single cent on gas, trash, or pest control. Plus, explore every corner within walking distance from these 38-studio units' building — like businesses, university hangouts, and more artsy spots around Martin Luther King Jr Boulevard!

Year Built: 1972
Stories: 2
Total Units: 28
Phone: (737) 237-2591

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.

Rio Grande Square Apartments

West Campus Austin

$1,195 Ins: ~$16/mo

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

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 West Campus Flats Apartments require renters insurance?
We didn't find a public insurance requirement for West Campus Flats 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 West Campus Flats Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). West Campus Flats 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 West Campus Flats Apartments?
Plan for $1,166 to $1,166/month all-in. That's base rent ($1,150), 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 West Campus Flats Apartments allow pets?
Yes, West Campus Flats Apartments is pet-friendly. Here are the details: Cats Allowed. $250 Deposit. $250 Fee. 25 lb Weight Limit. 1 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 West Campus Flats Apartments offer?
There are 1 floor plans to choose from, spanning studio layouts. Rent ranges from $1,150. 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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