Renters Insurance at The Citadel Apartments
We found a few insurance details on the The Citadel Apartments website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to The Citadel Apartments can push your insurance cost up or down:
Older Building
Built in 1974 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1356/100K (14% below national average)
What You'll Likely Pay
$16
Est. Monthly
$193
Est. Annual
$15
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 Citadel Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
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 Citadel 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
Next Step
See if you can beat $15/mo
5 discounts may apply here. Real quotes show your actual price — estimates can't.
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
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in El Paso track closely with national baselines. The Citadel Apartments also has on-site security features (Package service, Property manager on site, Sprinklers) 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.
What residents talk about most
Management
Consistently positive in reviews
“Lara, the property manager, who went above and beyond for my family and I from the time I moved in until the time I moved out.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
FEMA Zone X (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Earthquake shaking
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
Moderate seismic hazard · ground motion 0.14g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's severe-weather record for El Paso County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source: NOAA Storm Events Database, annual averages from the past five years for El Paso County. Counts reflect reported events, not damage amounts.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
9455 Viscount Blvd, El Paso, TX 79925
Stonehaven
Monthly Cost Breakdown at The Citadel Apartments
The listed rent isn't the whole number. Here's what The Citadel Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Citadel Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Security Deposit - Refundable
For studios Charged per unit.
Deposit
3 Bedroom Deposit Charged per unit.
4 Bedroom Deposit
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Pet Deposit
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Parking Fee
Max of 1. Charged per vehicle.
Covered
Additional Extra Parking Upon Availability.
Other
1 Reserved Space on All Units.
Pet Policy
Bringing a pet? Here's what The Citadel Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Citadel Apartments
From the property listing:
From the very first day... you're at home. Come home to the quiet relaxation of The Citadel. Private and luxurious, this is a haven with numerous amenities. Citadel is perfectly located near major freeways with access to downtown, shopping, medical facilities, and recreation. Available for your convenience are a sparkling swimming pool, an exercise room with showers and sauna, and a picnic area with barbeque grill. Experience the ease of deluxe apartment living amid beautifully landscaped grounds. You'll have the time to pursue your interests while enjoying maintenance-free living.
Frequently Asked Questions
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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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