Cortland Walker Ranch Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Cortland Walker Ranch Apartments in North San Antonio? Rent here runs $1,125 - $5,753, 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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12803 West Ave, San Antonio, TX 78216

North San Antonio

Managed by Cortland Built 2013 2 stories 360 units
5/5 ·137 reviews Apt. Finder
$1,125 - $5,753 /month

Monthly Cost Breakdown at Cortland Walker Ranch Apartments

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

Total Monthly Cost $1,243 – $5,871
Base Rent $1,125 – $5,753
Required Monthly Fees $104
Est. Renters Insurance $14/mo

Renters Insurance at Cortland Walker Ranch Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Cortland Walker Ranch 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 Walker Ranch Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$75,000 recommended

If you own less

$40,000

If you own more

$100,000

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 Walker Ranch 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 Covered parking Perimeter fencing

Fees Beyond Rent

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

Required Fees

Liability Only Protection

Liability Only Protection: $15 due monthly

$15 / mo

Trash

Trash: $3 due monthly

$3 / mo

Valet Trash

Valet Trash: $30 due monthly

$30 / mo

Pest Control

Pest Control: $5 due monthly

$5 / mo

Drainage Admin

Drainage Admin: $6 due monthly

$6 / 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

Cat - Pet Fee

Pet Fee: $400 due at move-in

$400

Dog - Pet Fee

Pet Fee: $400 due at move-in

$400

Cat - Monthly Pet Charge

Monthly Pet Charge: $25 due monthly

$25 / mo

Dog - Monthly Pet Charge

Monthly Pet Charge: $25 due monthly

$25 / mo

Parking Fees

Detached Garage

Detached Garage: $100 due monthly

$100 / mo

Attached Garage

Attached Garage: $150 due monthly

$150 / mo

Carport

Carport: $40 due monthly

$40 / mo

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

Additional Outdoor Storage Backyard* Bay Windows Bay Windows* Ceiling Fans Deep-Soaking Bathtub Deep-Soaking Bathtubs Digital Programmable Thermostats Digital Thermostats Double Sink Vanity Double Sink Vanity* Double-Paned, Insulated Windows Fenced-In Backyard* Freestanding Glass-Door Shower Generous Walk-In Closets Granite Countertops Handicap Accessible In-Home, Full-Size Washer/Dryer Juliette Balcony Kitchen Island Kitchen Island* Nine-Foot Ceilings Pantry Patio Patio - French Door* Picnic/bbq Area Private, Attached Or Detached Garages Reserved, Covered Parking Sand Volley Ball Court Stainless Steel Appliances Tile Backsplash Tile Flooring Tile Flooring* Townhome Option* Townhomes Available Two-Car Attached Garage Two-Car Attached Garage* Under Cabinet Lighting Upgraded Lighting Wood-Style Blinds Wood-Style Flooring

Community Features

Wi-Fi Maintenance on site Trash Pickup - Door to Door Renters Insurance Program Online Services Planned Social Activities Pet Play Area Clubhouse Lounge Multi Use Room Storage Space Walk-Up Fenced Lot Sundeck Cabana Courtyard Grill Picnic Area Fitness Center Pool Volleyball Court Walking/Biking Trails Gameroom

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Storage Space Double Vanities Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Hardwood Floors Carpet Tile Floors Vinyl Flooring Dining Room Family Room Bay Window Walk-In Closets Double Pane Windows Large Bedrooms Balcony Patio Deck Yard Lawn

What's Within Reach

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

Pharmacy

  • H-E-B Pharmacy 3.8
  • Walgreens Pharmacy 4.1
  • Cortland Walker Ranch 4.7

Hospital

  • Emergency Department - University Health University Hospital 2.0
  • RapidCare Emergency Room and Urgent ER Care - Airport San Antonio 4.8
  • CHRISTUS Santa Rosa Emergency Center 4.1

Gym

  • Fitness Connection 4.8
  • TruFit Athletic Clubs - Park North Center 4.7
  • LA Fitness 4.0

Restaurant

  • Hard Rock Cafe 4.1
  • Anchor Bar San Antonio 4.4
  • Mezcal Comida & Cantina 4.5

Park

  • Walker Ranch Park 4.7
  • Cortland Walker Ranch 4.7
  • Walker Ranch Trailhead 4.8

Bank

  • Bank of America ATM (Drive-thru) 4.0
  • American Bank 5.0
  • ATM 3.0

Gas

  • Exxon 4.4
  • Exxon 4.2
  • QuikTrip 4.5

Pet Policy

Bringing a pet? Here's what Cortland Walker Ranch 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 Walker Ranch Apartments

Located in the top-rated North East School District and minutes away from local recreation spots, our apartments on Wurzbach Parkway offer a world of opportunity - just outside Downtown San Antonio. Upscale features like granite countertops and stainless steel appliances will make you proud to call any of our spacious 1, 2, and 3-bedroom townhomes and apartments near North Star Mall home. Convenience to major employers like USAA and University Hospital makes your everyday commute a breeze. And when you're considering your weekend (or weeknight) plans, you have plenty of options nearby. Walk over to Walker Ranch Park and hop on its hiking and biking trails, treat yourself to some retail therapy and a quick bite at North Star Mall, or take family and friends out for a fun day at San Antonio Zoo. No matter what your day looks like, you'll come home to the hospitality and service of a community team dedicated to you.

Year Built: 2013
Stories: 2
Total Units: 360
Management: Cortland
Phone: (726) 200-5441

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 Walker Ranch Apartments require renters insurance?
We didn't find a public insurance requirement for Cortland Walker Ranch 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 Cortland Walker Ranch Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Cortland Walker Ranch 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 Walker Ranch Apartments?
Plan for $1,243 to $5,871/month all-in. That's base rent ($1,125 - $5,753), plus $104/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 Walker Ranch Apartments allow pets?
Yes, Cortland Walker Ranch 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 Walker Ranch Apartments offer?
There are 11 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,125 - $5,753. 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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