1400 North Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at 1400 North Apartments in Westside San Antonio? With rent at $695 - $749 and renters insurance running about $15/mo, we've put together what you need to know before you sign — including which carriers offer the best rates for this building and what your lease actually requires.

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1400 Gardina St, San Antonio, TX 78201

Westside San Antonio

Built 1984 3 stories 176 units
4/5 ·7 reviews
$695 - $749 /month

Monthly Cost Breakdown at 1400 North Apartments

The rent you see on a listing isn't the whole story. Between required monthly fees and renters insurance, the real number at 1400 North Apartments is higher than the sticker price. Here's the full picture.

Total Monthly Cost $710 – $764
Base Rent $695 – $749
Required Monthly Fees $0
Est. Renters Insurance $15/mo

What You Need to Know About Insurance at 1400 North Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 1400 North Apartments can push your insurance cost up or down:

Older Building

Built in 1984 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

What You'll Likely Pay

$15

Est. Monthly

$176

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 1400 North Apartments based on the rent level and building features.

Personal Property Coverage

$20,000 recommended
Low: $10,000 High: $30,000

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 1400 North Apartments:

Carrier Est. Monthly Est. Annual Tier Digital
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 extra charges 1400 North Apartments tacks on top of base rent. Some are monthly, some are one-time — but they all affect your budget.

Required Fees

Application Fee Per Applicant

$45

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 1400 North Apartments.

On-Site Security

On site maintenance

Amenities

Special Features

24 Hr Emergency Maintenance Laundry Facility Manager on site Security On Site Swimming pool

Pet Policy

Bringing a pet? Here's what 1400 North 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.

  • No Pets Allowed

About 1400 North Apartments

Beautiful spacious apartments available for immediate move in. Our studios are perfect for one to two people and have a cozy feel to them that makes you want to stay forever. Come check us out we are located in the center of San Antonio.

Year Built: 1984
Stories: 3
Total Units: 176
Phone: (877) 713-0411

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.

1310 Sutton Dr Rental

Westside San Antonio

$1,200 Ins: ~$14/mo

1814 W Summit Ave. Apartment

Westside San Antonio

$980 Ins: ~$14/mo

202 Las Palmas Dr Rental

Westside San Antonio

$1,600 Ins: ~$14/mo

250 Senisa Dr Apartment

Westside San Antonio

$1,250 Ins: ~$14/mo

3127 War Arrow Dr Rental

Westside San Antonio

$245 Ins: ~$14/mo

4222 Woodmanor Dr Apartment

Westside San Antonio

$1,000 Ins: ~$14/mo

Frequently Asked Questions

Does 1400 North Apartments require renters insurance?
We didn't find a public insurance requirement for 1400 North 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 1400 North Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). 1400 North Apartments has security features that qualify for discounts — with those applied, you could pay as little as $15/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at 1400 North Apartments?
Plan for $710 to $764/month all-in. That's base rent ($695 - $749), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 1400 North Apartments allow pets?
Yes, 1400 North Apartments is pet-friendly. Here are the details: No Pets Allowed. 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 1400 North Apartments offer?
There are 1 floor plans to choose from, spanning 1-bedroom layouts. Rent ranges from $695 - $749. 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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