Cielo Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Cielo Apartments in Northeast San Antonio? Rent here runs $945 - $1,351, 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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10631 Nacogdoches Rd, San Antonio, TX 78217

Northeast San Antonio

Built 1985 2 stories 216 units
4/5 ·9 reviews Apt. Finder
$945 - $1,351 /month

Monthly Cost Breakdown at Cielo Apartments

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

Total Monthly Cost $1,023 – $1,429
Base Rent $945 – $1,351
Required Monthly Fees $63
Est. Renters Insurance $15/mo

Renters Insurance at Cielo Apartments

What Affects Your Premium Here

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

Older Building

Built in 1985 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

What You'll Likely Pay

$15

Est. Monthly

$176

Est. Annual

$15

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 Cielo Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$15,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

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 Cielo 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

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

Next Step

See if you can beat $15/mo

4 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

Fees Beyond Rent

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

Required Fees

Trash Billing

Trash Billing

$14 / mo

Extermination Fee

Extermination Fee

$7 / mo

Administrative Fee

Administrative Fee (Non Refundable)

$125

Application Fee

Application

$75

Pets Fees

Pet Fee - One Time Only (Non-Refundable)

Pet Fee - One Time Only (Non-Refundable)-Cat

$225

Pet Deposit Received

Pet Deposit-Cat

$325

Pet Rent

Pet Rent - Dog (First Pet)

$10 / mo

Addons Fees

Cleaning Charges

Cleaning - Enter Cleaning Damage Description Here

$1

Damage Charges

Damage Charges - Enter Damage Description Here

$1

Extra Keys Or Lock Changes

Extra Keys Or Lock Changes - Enter Description Her

$1

Trash Out

Trash Out - Enter Damage Description Here

$25

Situational Fees

Blinds - Damages / Repair / Replace

Blind - Enter damage description here

$1

Carpet - Damages / Repair / Replace

Carpet - Enter Carpet Damage Description Here

$1

Month To Month Charges

Month To Month Fee

$150

Transfer Fees

Transfer Fees

$150

Amenities

Special Features

Large Pets Welcome Pet Park Renovated Apartment Homes Available.

Community Features

24 Hour Access Recycling Online Services Pet Play Area Walk-Up Grill

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Double Vanities Tub/Shower Fireplace Dishwasher Disposal Pantry Kitchen Microwave Oven Range Refrigerator Hardwood Floors Vinyl Flooring Built-In Bookshelves Vaulted Ceiling Walk-In Closets Linen Closet Wet Bar Balcony Patio Deck

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Cielo Apartments.

Grocery

  • H-E-B 4.4
  • Dollar General 4.2
  • La Michoacana Meat Market 4.1

Gym

  • Planet Fitness 4.4
  • Planet Fitness 4.5
  • Rebel Athletics & Fitness Club 4.9

Restaurant

  • Fidelo's Mexican Restaurant 4.5
  • Mama's Cafe 4.4
  • Pazzo Pastaria 4.8

Park

  • Lady Bird Johnson Swimming Pool 4.3
  • Fischer Softball Complex 4.1
  • Hamilton Community Center 4.4

Bank

  • Bank of America Financial Center 2.5
  • Chase Bank 3.0
  • Wells Fargo ATM 3.9

Gas

  • Valero 4.3
  • Circle K | Gas Station
  • Circle K 3.2

Pet Policy

Bringing a pet? Here's what Cielo 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 Cielo Apartments

Let Cielo Apartments be your gateway to fun and excitement in San Antonio, Texas. Our charming apartment home community is ideally located near many great restaurants, parks, fun entertainment venues, and local shopping establishments. Residents will love that we are within the San Antonio Independent School District, and business enthusiasts will be pleased to be situated in close proximity to San Antonio International Airport. Whatever your particular lifestyle, we are close to everywhere you want to be!

Year Built: 1985
Stories: 2
Total Units: 216
Phone: (866) 691-9613

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 Cielo Apartments require renters insurance?
We didn't find a public insurance requirement for Cielo 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 Cielo Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Cielo Apartments?
Plan for $1,023 to $1,429/month all-in. That's base rent ($945 - $1,351), plus $63/month in required fees (trash, utilities, etc.), 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 Cielo Apartments allow pets?
Yes, Cielo 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 Cielo Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $945 - $1,351. 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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