4438 Emma Way Rental: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at 4438 Emma Way Rental in Southeast San Antonio? Rent here runs $1,729, 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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4438 Emma Way, San Antonio, TX 78222

Southeast San Antonio

$1,729 /month

Monthly Cost Breakdown at 4438 Emma Way Rental

The listed rent isn't the whole number. Here's what 4438 Emma Way Rental actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,743 – $1,743
Base Rent $1,729
Required Monthly Fees $0
Est. Renters Insurance $14/mo

Renters Insurance at 4438 Emma Way Rental

What Affects Your Premium Here

Every building is different. These factors specific to 4438 Emma Way Rental can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

What You'll Likely Pay

$14

Est. Monthly

$168

Est. Annual

$14

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 4438 Emma Way Rental based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

Liability Coverage

$100,000 $100,000

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 4438 Emma Way Rental:

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

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

Next Step

See if you can beat $14/mo

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

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Amenities

Floor Plan Amenities

Dishwasher Refrigerator Lawn

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 4438 Emma Way Rental.

Grocery

  • H-E-B plus! 4.4
  • Walmart 4.0
  • H-E-B 4.4

Pharmacy

  • Express Pharmacy 4.5
  • CVS Pharmacy 4.5
  • CVS Pharmacy 3.9

Hospital

  • Emergency Department - University Health University Hospital 2.0
  • University Health University Hospital 3.0
  • The Emergency Clinic at The Pearl 4.8

Gym

  • Fitness Connection 4.9
  • War House Gym San Antonio 4.8
  • Gold's Gym San Antonio Crossroads 4.1

Restaurant

  • Tacos el Güerito 5.0
  • Casa Mía Italian restaurant 4.6
  • BJ's Restaurant & Brewhouse 4.5

Park

  • Pickwell Park 4.4
  • South Side Lions Park 4.4
  • Concepción Park 4.5

Bank

  • Frost Bank ATM 5.0
  • Bank of America Financial Center 2.5
  • Banco24Horas 3.0

Gas

  • Neighbors Market 4.5
  • Circle K | Gas Station
  • QuikTrip 3.9

About 4438 Emma Way Rental

Find Your Lucky Lease! Sign by 3/31 and get 2 Weeks Free Thea Meadows in San Antonio, Texas is a welcoming community offering pet friendly homes with modern features, open spaces, and the dependable comfort you expect from ARK Homes For Rent. Built with care and a sense of connection, these homes reflect our commitment to reliable living in a neighborhood you will be proud to call home. If you are searching for affordable rentals in San Antonio or one of the best neighborhoods to rent in the metropolitan area, Thea Meadows offers an ideal blend of comfort and convenience. From Interstate Thirty Five, take exit one forty and travel west on Loop One Sixty. Continue to US Highway Ninety, exit Montgomery Road, and follow local signs to Thea Meadows. The community is just minutes from shopping centers, schools, dining, and essential services, with a direct and easy commute into downtown San Antonio. San Antonio is a city rich in history, culture, and outdoor space. Residents at Thea Meadows enjoy easy access to Pearsall Park, Millers Pond Park, and local walking trails perfect for exercise and relaxation. The community is served by the Southwest Independent School District, providing quality schools close to home. Thea Meadows is part of a Homeowners Association that helps keep the neighborhood clean, organized, and well cared for, supporting a peaceful and consistent environment. At ARK Homes For Rent, we are dedicated to providing homes that go beyond expectations. Discover your next home at Thea Meadows, where dependable living, community values, and comfort all come together in one of San Antonio’s most accessible and growing areas.

Phone: (850) 789-9513

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 4438 Emma Way Rental require renters insurance?
We didn't find a public insurance requirement for 4438 Emma Way Rental, 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 4438 Emma Way Rental?
For this zip code and building type, expect to pay around $14/month ($168/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at 4438 Emma Way Rental?
Plan for $1,743 to $1,743/month all-in. That's base rent ($1,729), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.

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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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