Agave Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Agave Apartments in Downtown San Antonio? Rent here runs $1,305 - $2,369, 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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633 S St Mary`s St, San Antonio, TX 78205

Downtown San Antonio

Built 2015 5 stories 349 units
4/5 ·141 reviews
$1,305 - $2,369 /month

Monthly Cost Breakdown at Agave Apartments

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

Total Monthly Cost $1,456 – $2,520
Base Rent $1,305 – $2,369
Required Monthly Fees $138
Est. Renters Insurance $13/mo

Renters Insurance at Agave Apartments

What Affects Your Premium Here

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

Gated Community

Gated access reduces theft risk — may qualify for security discount

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$13

Est. Monthly

$160

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 Agave 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

Pool on premises — higher liability recommended

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Agave 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%
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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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 Agave Apartments.

1%

San Antonio overall is safer than only 1% of U.S. cities

This reflects San Antonio as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: Agave Apartments has on-site security features (Package service, Property manager on site, Gated, Sprinklers, Covered parking) that insurers recognize with premium discounts.

On-Site Security

Package service Property manager on site Gated Sprinklers Covered parking

Fees Beyond Rent

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

Required Fees

Utility - Stormwater/Drainage Admin Fee

Amount to manage drainage billing.

$1.5 / mo

Utility - Stormwater/Drainage

Amount for provision of storm water services.

$1.5 / mo

Boiler Management

Amount for boiler heating/management services.

$18 / mo

Package Services

Amount for package services.

$18 / mo

Trash Services - Doorstep

Amount for doorstep trash removal from rental home.

$25 / mo

Pest Control Services

Amount for pest control services.

$3 / mo

Trash Administrative Fee

Amount to manage trash service billing.

$3 / mo

Utility - Gas Administrative Fee

Amount to manage gas billing.

$3 / mo

Cable TV and Internet Services

Amount for cable and internet services in rental home.

$60 / mo

Trash Services - Hauling

Amount for shared trash/waste services.

Varies

Utility - Gas

Usage-Based (Utilities).Amount for provision and consumption... Read More of natural gas. Read Less

Varies

Utility - Water/Sewer

Usage-Based (Utilities).Amount for provision and/or consumpt... Read Moreion of water and sewer services Read Less

Varies

Utility - Electric - Third Party

Usage-Based (Utilities).Amount for provision and consumption... Read More of electric paid to a third party. Read Less

Varies

Renters Liability Insurance - Third Party

Amount for renters liability insurance obtained through resi... Read Moredent's provider of choice. Read Less

Varies

Application Fee

Amount to process application, initiate screening, and take ... Read Morea rental home off the market. Read Less

$99

Security Deposit (Refundable)

Amount intended to be held through residency that may be app... Read Morelied toward amounts owed at move-out. Refunds processed per application and lease terms. Read Less

$500

Pets Fees

Pet Fee

Amount to facilitate authorized pet move-in.

$400

Pet Rent

Monthly amount for authorized pet.

$20 / mo

Pet Management - Third Party

Amount for authorized pet registration and screening service... Read Mores. Read Less

$25 - $30 / yr

Parking Fees

Parking - Vehicle Registration

Amount for authorized vehicle registration.

$25

Parking - Reserved

Amount for reserved parking space/services. May be subject t... Read Moreo availability. Read Less

$100 / mo

Parking - Hourly

Amount for hourly parking space/services; may include valet ... Read Moreparking. May be subject to availability. Read Less

$7 - $30 / hour

Parking Fee

Amount for electric vehicle space; reserved or pay-per-use s... Read Moretation. May be subject to availability. Read Less

Varies

Addons Fees

Access Device - Additional

Amount to obtain additional access device(s) for community; ... Read Moreadditional fob, additional key. May be subject to availability. Read Less

$50

Situational Fees

Security Deposit Alternative

Amount for alternate program in lieu of paying a traditional... Read More security deposit. Read Less

$87.5

Positive Credit Reporting Services

Amount to send positive payment history to credit reporting ... Read Moreagency(ies); per person. Read Less

$4.95 / mo

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within c... Read Moreommunity. Read Less

$1,000 / occurence

Renters Liability Only - Non-Compliance

Amount for not maintaining required Renters Liability Policy

$13 / occurence

Payment Services - Alternative

Amount for using a third party rent payment installment prog... Read Moreram (i.e. Flex, Jetty Rent). Read Less

$15 / occurence

Trash Container - Replacement

Amount to replace trash/waste container.

$25 / occurence

Access/Lock Change Fee

Amount to change or reprogram access to rental home.

$35 / occurence

Appliance-Related Charge

Amount related to rental home appliance upgrades, rental, or... Read More replacements/parts. Read Less

$50 / occurence

Access Device - Replacement

Amount to obtain a replacement access device for community; ... Read Morefobs, keys, remotes, access passes. Read Less

$50 / occurence

Utility - Vacant Processing Fee

Amount for failing to transfer utilities into resident name.

$50 / occurence

Returned Payment Fee (NSF)

Amount for returned payment.

$75 / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; exclu... Read Moredes rent and other charges. Read Less

200% of base rent / occurence

Reletting Fee

Marketing fee related to early lease termination; excludes r... Read Moreent and other charges. Read Less

85% of base rent / occurence

Late Fee

Amount for paying after rent due date; per terms of lease.

9.99% of base rent / occurence

Late Move-Out Fee

Amount for moving out later (holdover) than scheduled; excl... Read Moreudes rent and other charges. Read Less

Varies

Lease Violation

Amount for violation of community policies and/or per lease ... Read Moreterms. Read Less

Varies

Liquidated Damages

Amount for not satisfying the application and/or lease terms

Varies

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations.

Varies

Utility - Vacant Cost Recovery

Usage-Based (Utilities).Amount for utility usage not transfe... Read Morerred to resident responsibility any time during occupancy. Read Less

Varies

Amenities

Special Features

42-Inch Cabinets Bicycle storage room Deck Overlooking Riverwalk Dining Room and Commercial Kitchen Direct Access to the Riverwalk Trail Electric Car Charging Stations Faux Wood Floor 1 Bedroom Faux Wood Flooring Frost-Free Refrigerator with Icemaker Group Excercise Herringbone Tile Backsplash Off-Leash Dog Run Parking Garage Private Work Areas River Walk Deck Rooftop Lounge Separate Tub And Stand-up Shower Stainless Steel Appliances Swimming Pool Valet Waste Walk In Closet Washer and Dryer in Home Waste Chutes Wood-Style Plank Flooring Yoga, Pilates and Barre Studio

Community Features

Maintenance on site 24 Hour Access Trash Pickup - Door to Door Recycling Renters Insurance Program Laundry Service Online Services Pet Play Area Car Charging Station Elevator Business Center Clubhouse Lounge Courtyard Grill Waterfront Fitness Center Pool Bicycle Storage Walking/Biking Trails

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Storage Space Double Vanities Tub/Shower Sprinkler System Framed Mirrors Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Stainless Steel Appliances Pantry Kitchen Microwave Oven Range Refrigerator Freezer Instant Hot Water Hardwood Floors Dining Room High Ceilings Office Views Walk-In Closets Linen Closet Balcony Patio Deck

Pet Policy

Bringing a pet? Here's what Agave 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.

  • Pet policies are negotiable.

About Agave Apartments

Our office is offering flexible touring options. Please schedule yours today! Now Open! Experience real downtown living at Agave. Walk to work, Shop HEBs new Flores Market. Soak up the historic architecture, vibrant culture, and trendsetting restaurants of the surrounding King Williams neighborhoods. Enjoy direct access to the peaceful, uncrowded southern end of the Riverwalk. All with the car still in the garage. With an unmatched location, thoughtful architecture, and lifestyle-friendly amenities, Agave is the perfect home base for your authentic urban lifestyle.

Year Built: 2015
Stories: 5
Total Units: 349
Phone: (210) 972-4742

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 Agave Apartments require renters insurance?
We didn't find a public insurance requirement for Agave 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 Agave Apartments?
For this zip code and building type, expect to pay around $13/month ($160/year). Agave 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 below average.
What will I actually pay per month at Agave Apartments?
Plan for $1,456 to $2,520/month all-in. That's base rent ($1,305 - $2,369), plus $138/month in required fees (trash, utilities, etc.), 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 Agave Apartments allow pets?
Yes, Agave Apartments is pet-friendly. Here are the details: Pet policies are negotiable.. 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 Agave Apartments offer?
There are 21 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,305 - $2,369. 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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