319 S Flores St Apartment: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at 319 S Flores St Apartment in Downtown San Antonio? Rent here runs $1,050, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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319 S Flores St, Unit 104, San Antonio, TX 78204

Downtown San Antonio

$1,050 /month

Monthly Cost Breakdown at 319 S Flores St Apartment

The listed rent isn't the whole number. Here's what 319 S Flores St Apartment actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,064 – $1,064
Base Rent $1,050
Required Monthly Fees $0
Est. Renters Insurance $14/mo

Renters Insurance at 319 S Flores St Apartment

What Affects Your Premium Here

Every building is different. These factors specific to 319 S Flores St Apartment can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Dog-Friendly

Dogs allowed — consider higher liability coverage

What You'll Likely Pay

$14

Est. Monthly

$168

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 319 S Flores St Apartment based on the rent level and building features.

Personal Property Coverage

$30,000 recommended
Low: $15,000 High: $50,000

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 319 S Flores St Apartment:

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%
Security cameras
-5%
Alarm-ready unit
-3%
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

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

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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 319 S Flores St Apartment.

On-Site Security

Gated access Security cameras Covered parking Perimeter fencing Alarm ready

Fees Beyond Rent

These are the additional charges beyond base rent at 319 S Flores St Apartment. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Security Deposit - Refundable

$600

Amenities

Floor Plan Amenities

Dishwasher Disposal Microwave Refrigerator Hardwood Floors

Pet Policy

Bringing a pet? Here's what 319 S Flores St Apartment 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

About 319 S Flores St Apartment

Property Id: 263244 Experience the ultimate contemporary living in the best, boutique style, loft community in San Antonio. This loft features: - Open floor plan - Hardwood floors. - 12' high ceilings. - Modern kitchen with granite tops and bathroom with Italian lavatory. - Washer and Dryer connections. - Central Air Conditioning and Heat. - All electric with individual meters. - Cable and Broadband Wiring. - 24/7 Security Cameras and optional exterior alarm system. - Covered Parking. (Limited) - Fenced and Automatic Gated Community. - Additional Storage Available. Milmo Lofts is centrally located next to the San Pedro Creek, across the street from HEB downtown, two blocks from UTSA with immediate access to IH35, IH10, H281 and H90 and within walking distance to the riverwalk, king William and Southdown restaurants, bars and other entertainment. Discover the ultimate downtown life experience!

Phone: (760) 563-8710

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 319 S Flores St Apartment require renters insurance?
We didn't find a public insurance requirement for 319 S Flores St Apartment, 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 319 S Flores St Apartment?
For this zip code and building type, expect to pay around $14/month ($168/year). 319 S Flores St Apartment 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 319 S Flores St Apartment?
Plan for $1,064 to $1,064/month all-in. That's base rent ($1,050), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 319 S Flores St Apartment allow pets?
Yes, 319 S Flores St Apartment is pet-friendly. Here are the details: . Dogs 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.

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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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