Coopers Row Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Coopers Row Apartments in Midtown San Antonio? Rent here runs $2,015 – $7,655, and renters insurance adds about $12/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1118 E Elmira St, San Antonio, TX 78212

Midtown San Antonio

Managed by Embrey Built 2025 7 stories 340 units
4/5 ·26 reviews Apt. Finder
$2,015 – $7,655 /month

Renters Insurance at Coopers Row Apartments

We found a few insurance details on Coopers Row 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 Coopers Row Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

What You'll Likely Pay

$12

Est. Monthly

$147

Est. Annual

$11

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 Coopers Row Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

If you own more

$60,000

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 Coopers Row 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%
Controlled access
-3%
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 $11/mo

7 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 Controlled access Property manager on site Gated Package lockers Sprinklers Covered parking

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$100

Amenity Fee

$115

Administrative Fee

$200

Pets Fees

Cat Fee

$500

Dog Fee

$500

Parking Fees

Parking Fee

N/A / mo

Amenities

Special Features

10'-12' Foot Ceilings & Walk-In Closets 24-Hour Package Room with Refrigerated Lockers Bike Storage & Repair Station Dog Spa & Dog Park EV Chargers First Level Restaurants Front Load Washer & Dryer Included Mud Benches, Wet/Dry Bars & Built-In Desks NordicWave Cold Plunge Pearl, Downtown & San Antonio River Views Private Yards Resident Storage Ride Share Pick-Up & Drop-Off Smart Building Access Smart Home Technology Stainless Steel Energy Star Kitchen Appliances Two Interior Design Schemes USB Outlets Walk-In Shower & Tubs Well Appointed Fitness Center & Yoga Studio Wine Fridges

Community Features

Wi-Fi Maintenance on site 24 Hour Access On-Site Retail Hearing Impaired Accessible Vision Impaired Accessible Trash Pickup - Door to Door Recycling Online Services Pet Play Area Pet Washing Station Car Charging Station Public Transportation Key Fob Entry Elevator Business Center Clubhouse Lounge Multi Use Room Storage Space Disposal Chutes Conference Rooms Sundeck Cabana Courtyard Grill Fitness Center Pool Bicycle Storage Walking/Biking Trails

Floor Plan Amenities

Wi-Fi Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Storage Space Double Vanities Tub/Shower Sprinkler System Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Instant Hot Water Quartz Countertops Carpet Vinyl Flooring High Ceilings Walk-In Closets Linen Closet Double Pane Windows Window Coverings Wet Bar Large Bedrooms Balcony Patio Porch Yard

What's Within Reach

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

Pharmacy

  • CVS Pharmacy 4.4
  • Walgreens Pharmacy 4.2
  • CBK Pharmacy formerly known as White Cross Professional Pharmacy 4.3

Hospital

  • The Emergency Clinic at The Pearl 4.8
  • Kindred Hospital San Antonio Central 4.6
  • Baptist Medical Center 3.9

Gym

  • Gold's Gym San Antonio The Quarry 3.7
  • Gold's Gym San Antonio Crossroads 4.1
  • Gold's Gym San Antonio Alamo Heights 3.8

Restaurant

  • Southerleigh Fine Food & Brewery 4.5
  • Ming's at Midtown 4.5
  • Best Quality Daughter 4.5

Park

  • San Pedro Springs Park 4.4
  • Brackenridge Park 4.7
  • Elmendorf Lake Park 4.5

Bank

  • Frost Bank 4.2
  • Bank of America ATM (Drive-thru) 3.5
  • Bank of America ATM (Drive-thru) 4.1

Gas

  • Chevron Station 3.8
  • QuikTrip 3.7
  • Circle K | Gas Station 4.0

Pet Policy

Bringing a pet? Here's what Coopers Row 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
$500 Fee

About Coopers Row Apartments

Year Built: 2025
Stories: 7 stories
Units: 340
Management: Embrey
Phone: (726) 200-5339

From the property listing:

Situated along the banks of the San Antonio River, every detail at Coopers Row has been thoughtfully curated to deliver an unparalleled living experience thats not simply a place to call home but a lifestyle. Our exquisitely designed one-, two-, and three-bedroom apartments, along with our breathtaking penthouse suites, embody spacious elegance and modern comfort, offering you the elevated urban retreat youve been dreaming of.

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 Coopers Row Apartments require renters insurance?
We found specific coverage details on Coopers Row 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 Coopers Row Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). Coopers Row Apartments has security features that qualify for discounts — with those applied, you could pay as little as $11/month. For context, the statewide average is $14/month, so this building is below average.
Does Coopers Row Apartments allow pets?
Yes, Coopers Row Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $500 Fee. 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 Coopers Row Apartments offer?
There are 39 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $2,015 – $7,655. 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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