San Antonio, TX

Cortland at Fredericksburg Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Cortland at Fredericksburg Apartments in Northwest San Antonio? Rent here runs $1,376 – $5,826, 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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10422 Huebner Rd, San Antonio, TX 78240

Northwest San Antonio

Built 2009 2 stories 376 units
5/5 ·168 reviews Apt. Finder
$1,376 – $5,826 /month

Monthly Cost Breakdown at Cortland at Fredericksburg Apartments

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

Total Monthly Cost $1,552 – $6,002
Base Rent $1,376 – $5,826
Required Monthly Fees $162
Est. Renters Insurance $14/mo

Renters Insurance at Cortland at Fredericksburg Apartments

We found a few insurance details on Cortland at Fredericksburg 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 Cortland at Fredericksburg 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

$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 Cortland at Fredericksburg Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

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 Cortland at Fredericksburg 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%
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

6 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

Fees Beyond Rent

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

Required Fees

Trash

Trash: $10 due monthly

$10 / mo

Liability Only Protection

Liability Only Protection: $15 due monthly

$15 / mo

Valet Trash

Valet Trash: $31 due monthly

$31 / mo

Pest Control

Pest Control: $5 due monthly

$5 / mo

Service Fee

Service Fee: $6 due monthly

$6 / mo

Cable Reimbursements

Cable Reimbursements: $65 due monthly

$65 / mo

Administration Fee (per household)

Administration Fee (per household): $150 deposit due at application

$150

Application Fee (per applicant)

Application Fee (per applicant): $65 due at application

$65

Pets Fees

Dog - Pet Fee

Pet Fee: $400 due at move-in

$400

Cat - Pet Fee

Pet Fee: $400 due at move-in

$400

Dog - Monthly Pet Charge

Monthly Pet Charge: $25 due monthly

$25 / mo

Cat - Monthly Pet Charge

Monthly Pet Charge: $25 due monthly

$25 / mo

Addons Fees

Cat - Cat

Cat: $0 due upon conditions

Situational Fees

Late Rent Fee

Late Rent Fee: 10% of rent due at late rent.

Varies

Reletting Fee

Reletting Fee (multiplier): 85% of rent due at early termination.

Varies

Early Termination Fee

Early Termination Fee: 200% of rent due at early termination

Varies

Amenities

Special Features

Breakfast Bar Built-In Bookshelves* Built-In Desk Deep-Soaking Bathtub Digital Programmable Thermostats Digital Thermostats Double Sink Vanity* Double-Paned Windows Generous Walk-In Closets Gourmet Kitchen Handicap Accessible In-Home, Full-Size Washer/dryer Nine-Foot Or Ten-Foot Ceilings One-Car Attached Garage Outdoor Kitchen Picnic/bbq Area Private, Direct-Access Garages Tile Backsplash Tile Flooring Two-Car Attached Garage Under Cabinet Lighting Under-Cabinet Lighting Undermount Sinks With Gooseneck Faucets Upgraded Lighting Vaulted Ceiling* Wood-Burning Fireplace* Wood-Style Blinds Wood-Style Flooring*

Community Features

Wi-Fi Maintenance on site Pet Play Area Car Charging Station Lounge Storage Space Sundeck Cabana Courtyard Grill Fitness Center Pool Walking/Biking Trails

Floor Plan Amenities

Wi-Fi Washer/Dryer Ceiling Fans Smoke Free Double Vanities Fireplace Granite Countertops Stainless Steel Appliances Pantry Kitchen Tile Floors Built-In Bookshelves Vaulted Ceiling Walk-In Closets Porch Deck Garden

What's Within Reach

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

Gym

  • Anytime Fitness 3.7
  • LA Fitness 4.0
  • Gold's Gym San Antonio Fiesta Trails 3.5

Restaurant

  • Kung Fu Noodle 4.6
  • The Magnolia Pancake Haus 4.4
  • Bill Miller BBQ 4.0

Gas

  • QuikTrip 4.3
  • Circle K | Gas Station

Pet Policy

Bringing a pet? Here's what Cortland at Fredericksburg 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 Allowed
$25 Monthly Pet Rent
$400 Fee
80 lb Weight Limit
2 Pet Limit

About Cortland at Fredericksburg Apartments

Year Built: 2009
Stories: 2 stories
Units: 376
Phone: (726) 200-5773

From the property listing:

Located minutes away from Downtown San Antonio and major employers like USAA, our Huebner Oaks apartment community offers a world of opportunity - just outside the heart of the city. Upscale features like nine-foot ceilings and cozy fireplaces will make you proud to call any of our one and two-bedroom apartments near Shavano Park TX home. Convenience to shopping and dining spots at The Rim makes your everyday routine a breeze. And when you're considering your weekend plans, you have plenty of options nearby.

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 Cortland at Fredericksburg Apartments require renters insurance?
We found specific coverage details on Cortland at Fredericksburg 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 Cortland at Fredericksburg Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Cortland at Fredericksburg 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 Cortland at Fredericksburg Apartments?
Plan for $1,552 to $6,002/month all-in. That's base rent ($1,376 – $5,826), plus $162/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 Cortland at Fredericksburg Apartments allow pets?
Yes, Cortland at Fredericksburg Apartments is pet-friendly. Here are the details: Dogs Allowed. $25 Monthly Pet Rent. $400 Fee. 80 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 Cortland at Fredericksburg Apartments offer?
There are 9 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,376 – $5,826. 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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