Algarita Lakeside Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Algarita Lakeside Apartments in North Central San Antonio? Rent here runs $1,024 – $1,629, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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8555 Laurens Ln, San Antonio, TX 78218

North Central San Antonio

Built 1985 3 stories 293 units
4/5 ·35 reviews Apt. Finder
$1,024 – $1,629 /month

Monthly Cost Breakdown at Algarita Lakeside Apartments

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

Total Monthly Cost $1,039 – $1,644
Base Rent $1,024 – $1,629
Est. Renters Insurance $15/mo

Renters Insurance at Algarita Lakeside Apartments

We found a few insurance details on Algarita Lakeside Apartments's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
See how your options compare. Get a quote

* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.

One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.

What Affects Your Premium Here

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

Older Building

Built in 1985 — older plumbing/electrical may increase risk

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

$15

Est. Monthly

$176

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 Algarita Lakeside Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Algarita Lakeside 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 $14/mo

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

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Property Crime & Theft Risk

Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for San Antonio.

On-Site Security

Package service Property manager on site Gated Gated access Covered parking On site maintenance

Fees Beyond Rent

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

Required Fees

Administrative Fee

$49

Application Fee Per Applicant

$50

Amenities

Special Features

1st Floor - 1br 24/7 Package Pick Up 24-Hr Emergency Maintenance Additional Storage* Carport Ceiling Fans Covered and Garage Parking Fireplace Full Size Washer/Dryer* Gated Community One and Two-Bedroom Apartment Homes On-Site Laundry Facilities Pet Bark Park Pet Washing Station Pool/Pond View Private Balcony Separate Dining Area* Sparkling Pool Vaulted Ceilings Walk-in Closets* Washer and Dryer Rental Wood Plank Flooring

Community Features

Wi-Fi Laundry Facilities Trash Pickup - Door to Door Recycling Laundry Service Planned Social Activities Guest Apartment Pet Washing Station Business Center Clubhouse Walk-Up Grill Picnic Area Pond Fitness Center Pool Walking/Biking Trails

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Satellite TV Tub/Shower Fireplace Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Carpet Vinyl Flooring Dining Room High Ceilings Built-In Bookshelves Vaulted Ceiling Walk-In Closets Balcony Patio Porch

Pet Policy

Bringing a pet? Here's what Algarita Lakeside 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
$15 Monthly Pet Rent
$300 Fee
2 Pet Limit

About Algarita Lakeside Apartments

Year Built: 1985
Stories: 3 stories
Units: 293
Phone: (210) 742-5208

From the property listing:

Featuring unparalleled lake views with walking trails and wide-open floorplans, Algarita Lakeside Apartments is San Antonio’s hidden gem. Tucked in the quiet Oakwell Farms neighborhood, seconds to the intersection of 410/35 highways. Get to any destination quickly without hassle!Our selection of floorplans offers wrap-around porches, lake views, and lots of windows for natural light. Vaulted ceilings, washer and dryer connections, a plethora of kitchen cabinets, newer appliances, quartz countertops, wood plank flooring, and modern fixtures are all part of Lakeside Living.

Other Options Nearby

Still weighing your choices? These communities are in the same part of San Antonio — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Algarita Lakeside Apartments require renters insurance?
We found specific coverage details on Algarita Lakeside Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Algarita Lakeside Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). Algarita Lakeside Apartments has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Algarita Lakeside Apartments?
Plan for $1,039 to $1,644/month all-in. That's base rent ($1,024 – $1,629), 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 Algarita Lakeside Apartments allow pets?
Yes, Algarita Lakeside Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $15 Monthly Pet Rent. $300 Fee. 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 Algarita Lakeside Apartments offer?
There are 10 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,024 – $1,629. 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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