Agora Stone Oak Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Agora Stone Oak Apartments in Stone Oak? Rent here runs $1,068 - $2,645, 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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1207 Agora Palms Dr, San Antonio, TX 78258

Stone Oak

Built 2015 3 stories 312 units
5/5 ·68 reviews
$1,068 - $2,645 /month

Monthly Cost Breakdown at Agora Stone Oak Apartments

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

Total Monthly Cost $1,196 – $2,773
Base Rent $1,068 – $2,645
Required Monthly Fees $114
Est. Renters Insurance $14/mo

Renters Insurance at Agora Stone Oak Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Agora Stone Oak Apartments 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

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$14

Est. Monthly

$168

Est. Annual

$13

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

Next Step

See if you can beat $13/mo

5 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 Agora Stone Oak 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: Agora Stone Oak Apartments has on-site security features (Gated, Gated access) that insurers recognize with premium discounts.

On-Site Security

Gated Gated access

Fees Beyond Rent

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

Required Fees

Community Amenity Fee

Amount for community amenity use and services.

$20 / mo

Trash Services - Doorstep

Amount for doorstep trash removal from rental home.

$26 / mo

Trash Administrative Fee

Amount to manage trash service billing.

$3 / mo

Pest Control Services

Amount for pest control services.

$5 / mo

Utility - Water/Sewer

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

Utility - Water/Wastewater Submeter Admin Fee

Amount for water billing services calculated as a percentage... Read More of consumption as allowed by regulation. Read Less

Varies

Trash Services - Hauling

Usage-Based (Utilities).Amount for shared trash/waste servic... Read Morees. Read Less

Varies

Utility - Stormwater/Drainage

Usage-Based (Utilities).Amount for provision of storm water ... Read Moreservices. Read Less

Varies

Environmental Fee

Amount imposed by local jurisdiction related to environmenta... Read Morel protection. Read Less

Varies

Application Fee

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

$214

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

$100 - $350

Pets Fees

Pet Fee

Amount to facilitate authorized pet move-in.

$400 - $600

Pet Rent

Monthly amount for authorized pet.

$25 / mo

Pet Management - Third Party

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

$25 - $35 / yr

Parking Fees

Parking Fee

Amount for garage parking space/services. May be subject to ... Read Moreavailability. Read Less

$125 - $155 / mo

Parking Fee

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

$40 / mo

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

Common Area/Clubhouse Rental

Amount to rent a shared common area space, including clubhou... Read Morese. May be subject to availability. Read Less

$500 / occurence

Concierge Services

Amount for community concierge services; may be provided by ... Read Morethird party. Read Less

Varies

Situational Fees

Reletting Fee

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

85% of base rent

Renters Liability Only - Non-Compliance

Amount for not maintaining required Renters Liability Policy

$15 / occurence

Trash Container - Replacement

Amount to replace trash/waste container.

$20 / occurence

Access/Lock Change Fee

Amount to change or reprogram access to rental home.

$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

Intra-Community Transfer Fee

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

$500 / 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

Lease Violation

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

Varies

Payment Services - Third Party

Amount for using a third party, electronic payment processin... Read Moreg service (i.e. credit card, ACH, etc.). Read Less

Varies

Lease Violation - Extermination Services

Amount for violation of pest-related community policies.

Varies

Security Deposit - Additional (Refundable)

Additional amount, based on screening results, intended to b... Read Moree held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Read Less

Varies

Pet/Animal - Lease Violation

Amount for violation of community policies related to pet or... Read More assistance animal. Read Less

Varies

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations.

Varies

Amenities

Special Features

Resident Lounge Grilling Stations Hill Country Views* Wood-Style Floors* Dog Wash Full-Size Washer & Dryer Kitchen Islands* Outdoor Fireplace Rainfall Showers* Stainless Steel Appliance Package Garden Tubs Gourmet Kitchens with Granite Countertops LED Track Lighting Private Yards* Resort Styled Pool with Sundeck & Cabanas Coffee Bar with WIFI Gated Access Community Private Balconies/Patios

Community Features

Business Center Lounge Sundeck Cabana Fitness Center Pool

Floor Plan Amenities

Wi-Fi Air Conditioning Fireplace Granite Countertops Stainless Steel Appliances Island Kitchen Kitchen Office Recreation Room Walk-In Closets Balcony Patio Yard

Pet Policy

Bringing a pet? Here's what Agora Stone Oak 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 and Cats Allowed

  • $25 Monthly Pet Rent
  • $400 Fee
  • 100 lb Weight Limit
  • 2 Pet Limit

About Agora Stone Oak Apartments

Welcome to Agora Stone Oak, a residential community featuring one, two and three bedroom apartments in San Antonio, TX. Spacious layouts and amenities welcome you home, along with exceptional service and an ideal location within minutes from shopping, dining, and entertainment options. Stop by or schedule a tour today!

Year Built: 2015
Stories: 3
Total Units: 312
Phone: (833) 603-1426

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 Agora Stone Oak Apartments require renters insurance?
We didn't find a public insurance requirement for Agora Stone Oak 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 Agora Stone Oak Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Agora Stone Oak Apartments has security features that qualify for discounts — with those applied, you could pay as little as $13/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Agora Stone Oak Apartments?
Plan for $1,196 to $2,773/month all-in. That's base rent ($1,068 - $2,645), plus $114/month in required fees (trash, utilities, etc.), 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 Agora Stone Oak Apartments allow pets?
Yes, Agora Stone Oak Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $25 Monthly Pet Rent. $400 Fee. 100 lb Weight Limit. 2 Pet Limit. 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 Agora Stone Oak Apartments offer?
There are 10 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,068 - $2,645. 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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