100 Labor Downtown Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at 100 Labor Downtown Apartments in Downtown San Antonio? Rent here runs $999 - $2,700, and renters insurance adds about $12/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

Get Renters Insurance for 100 Labor Downtown Apartments

Compare renters insurance quotes in seconds

100 Labor St, San Antonio, TX 78210

Downtown San Antonio

Built 2024 4 stories 213 units
5/5
$999 - $2,700 /month

Monthly Cost Breakdown at 100 Labor Downtown Apartments

The listed rent isn't the whole number. Here's what 100 Labor Downtown Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,011 – $2,712
Base Rent $999 – $2,700
Required Monthly Fees $0
Est. Renters Insurance $12/mo

Renters Insurance at 100 Labor Downtown Apartments

Accepted Insurance Providers

100 Labor Downtown 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.

kin

What Affects Your Premium Here

Every building is different. These factors specific to 100 Labor Downtown Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

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 100 Labor Downtown Apartments based on the rent level and building features.

Personal Property Coverage

$50,000 recommended
Low: $30,000 High: $75,000

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 100 Labor Downtown 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

Gated community
-5%
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 $11/mo

7 discounts may apply here. Real quotes show your actual price — estimates can't.

Compare Quotes Free · No account required

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 100 Labor Downtown Apartments.

On-Site Security

Controlled access Property manager on site Gated Sprinklers

Fees Beyond Rent

These are the additional charges beyond base rent at 100 Labor Downtown Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Administrative Fee

$0

Application Fee Per Applicant

$100

Pets Fees

One-Time Pet Fee

$400

Monthly Pet Fee

$20 / mo

Amenities

Special Features

Brand New Fire Pits

Community Features

Maintenance on site On-Site Retail Hearing Impaired Accessible Vision Impaired Accessible Pet Play Area Car Charging Station Public Transportation Key Fob Entry Elevator Business Center Clubhouse Lounge Multi Use Room Storage Space Disposal Chutes Roof Terrace Courtyard Grill Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Tub/Shower Handrails Sprinkler System Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Microwave Oven Refrigerator Quartz Countertops Vinyl Flooring Views Walk-In Closets Loft Layout Double Pane Windows Window Coverings Floor to Ceiling Windows Balcony Patio

Pet Policy

Bringing a pet? Here's what 100 Labor Downtown 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.

Dogs Allowed

  • $20 Monthly Pet Rent
  • $400 Fee

About 100 Labor Downtown Apartments

Now Leasing for move-ins immediately! Come home to premier apartment living in Downtown San Antonio. Our studio, one, and two-bedroom apartment homes will open into spacious floor plans, creating a blank canvas to fill with belongings and people that make it feel like home. Come live where you can walk to Hemisfair Park, The Alamo, Casa Navarro State Historic Site, San Antonio River Walk and The San Antonio Children's Museum or easily access all of downtown San Antonio.

Year Built: 2024
Stories: 4
Total Units: 213
Phone: (726) 200-6605

Other Options Nearby

Still weighing your choices? These communities are in the same part of San Antonio — with their own insurance costs and safety profiles worth comparing.

Frequently Asked Questions

Does 100 Labor Downtown Apartments require renters insurance?
We didn't find a public insurance requirement for 100 Labor Downtown 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 100 Labor Downtown Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). 100 Labor Downtown 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 100 Labor Downtown Apartments?
Plan for $1,011 to $2,712/month all-in. That's base rent ($999 - $2,700), 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 100 Labor Downtown Apartments allow pets?
Yes, 100 Labor Downtown Apartments is pet-friendly. Here are the details: Dogs Allowed. $20 Monthly Pet Rent. $400 Fee. 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 100 Labor Downtown Apartments offer?
There are 18 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $999 - $2,700. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

Get Renters Insurance for 100 Labor Downtown Apartments

See how much you could save on renters insurance

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.

SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.