Dwell at Legacy Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Dwell at Legacy Apartments in Stone Oak? Rent here runs $1,070 - $2,637, 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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1810 E Sonterra Blvd, San Antonio, TX 78259

Stone Oak

Built 2015 3 stories 289 units
4/5 ·97 reviews
$1,070 - $2,637 /month

Monthly Cost Breakdown at Dwell at Legacy Apartments

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

Total Monthly Cost $1,084 – $2,651
Base Rent $1,070 – $2,637
Required Monthly Fees $0
Est. Renters Insurance $14/mo

Renters Insurance at Dwell at Legacy Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Dwell at Legacy 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

$12

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 Dwell at Legacy Apartments based on the rent level and building features.

Personal Property Coverage

$50,000 recommended
Low: $30,000 High: $75,000

Liability Coverage

$300,000 $300,000

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 Dwell at Legacy 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 $12/mo

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

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Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around Dwell at Legacy Apartments.

On-Site Security

Controlled access Property manager on site Gated Sprinklers Covered parking On site maintenance

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$60

Administrative Fee

$150

Pets Fees

Cat Deposit

$200

Dog Deposit

$200

Cat Fee

$300

Dog Fee

$300

Parking Fees

Parking Fee

$125 / mo

Parking Fee

$45 / mo

Amenities

Special Features

24-Hour On Call Emergency Maintenance BBQ/Picnic Area Beverage Bar Black-on-Black Appliances Carports and Breezeway Garages Available Dog Park Elevator Access* Infinity Edge Pool with Cabanas Plush Frieze Carpeting in Bedrooms Private Backyards * Resident Clubhouse Spacious Walk-In Closets Stainless Steel Appliances* Stand-Up Showers * Turf Lawn Dog Park Undermounted Sinks in Kitchens Upgraded Glass Backsplashes * Upscale Track and Pendant Lighting Washers/Dryers*

Community Features

Wi-Fi Maintenance on site Trash Pickup - Door to Door Recycling Renters Insurance Program Dry Cleaning Service Planned Social Activities Pet Play Area Elevator Business Center Clubhouse Lounge Storage Space Conference Rooms Sundeck Cabana Grill Picnic Area Fitness Center Pool Gameroom

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Storage Space Tub/Shower Sprinkler System Framed Mirrors Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Hardwood Floors Carpet Office Views Walk-In Closets Linen Closet Window Coverings Balcony 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 Dwell at Legacy Apartments.

Grocery

  • Whole Foods Market 4.4
  • Pruski's Market 4.5
  • H-E-B plus! 4.7

Pharmacy

  • SYNERGY PHARMACY 4.9
  • Sonterra RX 3.9
  • Walmart Pharmacy 3.1

Gym

  • American Fitness Center 4.8
  • Life Time 4.0
  • Planet Fitness 4.4

Park

  • Classen-Steubing Ranch Park 4.5
  • Stone Oak Park 4.6
  • Blossom Park 4.5

Bank

  • Bank of America ATM (Drive-thru) 2.8
  • Bank of America (with Drive-thru ATM) 2.6
  • Frost Bank ATM 5.0

Gas

  • RapidXChange Propane

Pet Policy

Bringing a pet? Here's what Dwell at Legacy 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

  • $200 Deposit
  • $300 Fee
  • 80 lb Weight Limit

About Dwell at Legacy Apartments

Dwell at Legacy presents upscale one and two-bedroom apartments in the prestigious Stone Oak neighborhood of North Central San Antonio. Our luxury community boasts an impressive selection of amenities, including in-home washers and dryers, contemporary appliances, a business center, a state-of-the-art fitness center, and a newly installed turf bark park. Perfectly situated within walking distance of fine dining, shopping, and more, Dwell at Legacy offers an unmatched living experience. Contact us today to learn more about your next home!

Year Built: 2015
Stories: 3
Total Units: 289
Phone: (210) 871-1856

Other Options Nearby

Still weighing your choices? These communities are in the same part of San Antonio — with their own insurance costs and safety profiles worth comparing.

Agora Stone Oak Apartments

Stone Oak

$1,068 - $2,645 Ins: ~$14/mo

Marquis on Evans Apartments

Stone Oak

$1,020 - $3,428 Ins: ~$14/mo

Tacara at Stone Oak Apartments

Stone Oak

$1,215 - $2,520 Ins: ~$12/mo

100 Labor Downtown Apartments

Downtown San Antonio

$999 - $2,700 Ins: ~$12/mo

1011 Bay Horse Dr Rental

Far West San Antonio

$300 Ins: ~$14/mo

10210 Castello Cyn Rental

Far West San Antonio

$1,720 Ins: ~$14/mo

Frequently Asked Questions

Does Dwell at Legacy Apartments require renters insurance?
We didn't find a public insurance requirement for Dwell at Legacy 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 Dwell at Legacy Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Dwell at Legacy Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Dwell at Legacy Apartments?
Plan for $1,084 to $2,651/month all-in. That's base rent ($1,070 - $2,637), 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 Dwell at Legacy Apartments allow pets?
Yes, Dwell at Legacy Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $200 Deposit. $300 Fee. 80 lb Weight 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 Dwell at Legacy Apartments offer?
There are 13 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,070 - $2,637. 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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