El Dorado Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at El Dorado Apartments in Mission Hills South? Rent here runs From $875, 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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3500 Sun Bowl Dr, El Paso, TX 79902

Mission Hills South

Built 1965 2 stories 101 units
3.9/5 ·30 reviews Google
1 review Apt. Finder
From $875 /month

Monthly Cost Breakdown at El Dorado Apartments

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

Total Monthly Cost $891
Base Rent $875
Est. Renters Insurance $16/mo

Renters Insurance at El Dorado Apartments

What Affects Your Premium Here

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

Older Building

Built in 1965 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

FBI UCR

Property crime rate: 1356/100K (14% below national average)

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 El Dorado Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$15,000 recommended

If you own less

$10,000

If you own more

$25,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

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 El Dorado 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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Property Crime & Theft Risk

Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for El Paso.

El Paso property crime rate

1,356

per 100K residents

14% below U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
117 / 200
Larceny / theft
966 / 1,172
Vehicle theft
272 / 206

U.S. average

Near-average property crime means insurance premiums in El Paso track closely with national baselines. El Dorado Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.

Source: FBI UCR Program, El Paso (2024-12 to 2025-11)

What Residents Are Saying

Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.

Maintenance Issues Mentioned
Noise Mentioned

On-Site Security

Property manager on site

Fees Beyond Rent

These are the additional charges beyond base rent at El Dorado 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.

$20

Security Deposit - Refundable

Charged per unit.

$300

Parking Fees

Parking Fee

Max of 2. Charged per vehicle.

Free

Amenities

Special Features

2 Laundry Facilities

Community Features

Laundry Facilities Maintenance on site Public Transportation Walk-Up Walking/Biking Trails Gas Range Walk To Campus

Floor Plan Amenities

High Speed Internet Access Air Conditioning Heating Ceiling Fans Cable Ready Tub/Shower Pantry Eat-in Kitchen Kitchen Oven Range Refrigerator Freezer Carpet Tile Floors Vinyl Flooring Family Room Linen Closet Window Coverings Large Bedrooms Patio Lawn

Pet Policy

Bringing a pet? Here's what El Dorado Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

No Pets Allowed

About El Dorado Apartments

Year Built: 1965
Stories: 2 stories
Units: 101
Phone: (915) 529-4495

From the property listing:

Welcome to El Dorado Apartments – Where Comfort Meets Convenience in the Heart of El Paso Located right next to the University of Texas at El Paso, El Dorado Apartments offers easy walking access to campus—perfect for students looking to live close to class. A direct path leads to a nearby Miner Metro stop, making getting around campus simple and car-free. For families and commuters, our location also provides quick, convenient access to Mesa Street and I-10, putting the rest of El Paso just minutes away. El Dorado features spacious 2-bedroom, 1-bathroom apartments, each offering 930 sq. ft.

Other Options Nearby

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

Frequently Asked Questions

Does El Dorado Apartments require renters insurance?
We didn't find a public insurance requirement for El Dorado 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 El Dorado 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 El Dorado Apartments?
Plan for about $891/month all-in. That's base rent (From $875), 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 El Dorado Apartments allow pets?
No, El Dorado Apartments does not allow pets.
How safe is the area around El Dorado Apartments?
Property crime in El Paso sits near the national average — 1,356 per 100,000 residents versus 1,578 nationwide. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 117/100K here. On the property itself, you'll find property manager on site — features that can qualify for premium discounts.
What floor plans does El Dorado Apartments offer?
There is 1 floor plan available, a 2-bedroom layout. Rent ranges from From $875. 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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