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

Last updated Apr 15, 2026

Thinking about renting at The Estates Apartments in Crestmont? Rent here runs $880 – $975, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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435 S Mesa Hills Dr, El Paso, TX 79912

Crestmont

Managed by Asset Living Built 2024 2 stories 142 units
3.9/5 ·80 reviews Google
Apt. Finder
$880 – $975 /month

Monthly Cost Breakdown at The Estates Apartments

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

Total Monthly Cost $893 – $988
Base Rent $880 – $975
Est. Renters Insurance $13/mo

Renters Insurance at The Estates Apartments

What Affects Your Premium Here

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

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Vehicle Crime

1 mentions of car theft, vandalism, or break-ins in reviews

Security System Issues

1 mentions of broken gates, cameras, or locks in reviews

FBI UCR

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

What You'll Likely Pay

$13

Est. Monthly

$155

Est. Annual

$12

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 Estates 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 The Estates 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

Controlled access
-3%
Sprinkler system
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $12/mo

6 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. The Estates Apartments also has on-site security features (Property manager on site, Controlled access, Sprinklers, On site maintenance) 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
Water Damage Mentioned
Fire Mentioned
Noise Mentioned
Slip/Fall Hazards Mentioned
Vehicle Crime Mentioned
Security System Failures Mentioned

On-Site Security

Property manager on site Controlled access Sprinklers On site maintenance

Fees Beyond Rent

These are the additional charges beyond base rent at The Estates 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.

$75

Administrative Fee

Charged per unit.

$100

Parking Fees

Parking Fee

Max of 2. Charged per vehicle.

Free

Amenities

Special Features

Two Large Courtyards 24/7 Emergency Maintenance Theater Room All Utilities Paid Efficient Appliances Air Conditioner Carpeting Ceiling Fan Game Room Community Room Library Study Room Theatre Room 4 Laundry Facilities Extra Storage Large Closets Open Floorplan All Utilities Included

Community Features

Community-Wide WiFi Wi-Fi Laundry Facilities Maintenance on site Key Fob Entry Elevator Business Center Clubhouse Lounge Multi Use Room Conference Rooms Courtyard Fitness Center Gameroom Study Lounge

Floor Plan Amenities

High Speed Internet Access Wi-Fi Air Conditioning Ceiling Fans Cable Ready Sprinkler System Wheelchair Accessible (Rooms) Dishwasher Granite Countertops Stainless Steel Appliances Pantry Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Carpet Vinyl Flooring Dining Room Crown Molding Window Coverings Garden

Pet Policy

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

Pet policies are negotiable.

About The Estates Apartments

Year Built: 2024
Stories: 2 stories
Units: 142
Management: Asset Living
Phone: (915) 234-1645

From the property listing:

The Estates Apartments offer an ideal living experience in a prime location, conveniently close to shopping, dining, and thriving businesses. Nestled away from the hustle and bustle of a busy main road, our community provides a peaceful retreat. We take care of all utilities, which are included in the rent. Residents enjoy the convenience of on-site laundry facilities and can look forward to the upcoming gym. Our newly remodeled units feature modern touches, with many boasting granite countertops and stainless steel appliances.

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 The Estates Apartments require renters insurance?
We didn't find a public insurance requirement for The Estates 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 Estates Apartments?
For this zip code and building type, expect to pay around $13/month ($155/year). The Estates Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/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 Estates Apartments?
Plan for $893 to $988/month all-in. That's base rent ($880 – $975), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does The Estates Apartments allow pets?
Pet policies at The Estates Apartments are handled on a case-by-case basis — contact the leasing office for details.
How safe is the area around The Estates 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, controlled access, sprinklers, on site maintenance — features that can qualify for premium discounts.
What floor plans does The Estates Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $880 – $975. 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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