Encore Grayson Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Encore Grayson Apartments in Midtown San Antonio? Rent here runs $1,396 – $2,640, 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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1203 Austin St, San Antonio, TX 78208

Midtown San Antonio

Built 2023 5 stories 386 units
4/5 ·16 reviews Apt. Finder
$1,396 – $2,640 /month

Monthly Cost Breakdown at Encore Grayson Apartments

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

Total Monthly Cost $1,469 – $2,713
Base Rent $1,396 – $2,640
Required Monthly Fees $61
Est. Renters Insurance $12/mo

Renters Insurance at Encore Grayson Apartments

We found a few insurance details on Encore Grayson 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 Encore Grayson 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

NeighborhoodScout

Safer than only 1% of US cities

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 Encore Grayson 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 Encore Grayson 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 Concierge Gated Doorman Sprinklers On site maintenance

Fees Beyond Rent

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

Required Fees

Utility - Stormwater/Drainage Admin Fee

Amount to manage drainage billing.

$1.38 / mo

Package Services

Amount for package services.

$22 / mo

Trash Services - Doorstep

Amount for doorstep trash removal from rental home.

$25 / mo

Trash Administrative Fee

Amount to manage trash service billing.

$3 / mo

Pest Control Services

Amount for pest control services.

$5 / mo

Utility - Water/Sewer

Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services

Varies

Utility - Electric - Third Party

Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party.

Varies

Renters Liability Insurance - Third Party

Amount for renters liability insurance obtained through resident's provider of choice.

Varies

Utility - Water/Wastewater Submeter Admin Fee

Amount for water billing services calculated as a percentageof consumption as allowed by regulation.

Varies

Utility - Stormwater/Drainage

Usage-Based (Utilities).Amount for provision of storm water services.

Varies

Trash Services - Hauling

Usage-Based (Utilities).Amount for shared trash/waste services.

Varies

Security Deposit (Refundable)

Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms.

$1,000

Administrative Fee

Amount to facilitate move-in process for a resident.

$150

Application Fee

Amount to process application, initiate screening, and take a rental home off the market.

$50

Security Deposit Alternative

Amount for alternate program in lieu of paying a traditionalsecurity deposit.

Varies

Pets Fees

Pet Fee

Amount to facilitate authorized pet move-in.

$450

Pet Rent

Monthly amount for authorized pet.

$25 / mo

Pet Management - Third Party

Amount for authorized pet registration and screening services.

$20 - $30 / yr

Parking Fees

Parking - Vehicle Registration

Amount for authorized vehicle registration.

$30

Parking - Reserved

Amount for reserved parking space/services. May be subject to availability.

$100 / mo

Parking Fee

Amount for electric vehicle space; reserved or pay-per-use station. May be subject to availability.

Varies

Addons Fees

Access Device - Additional

Amount to obtain additional access device(s) for community; additional fob, additional key. May be subject to availability.

$100

Situational Fees

Positive Credit Reporting Services

Amount to send positive payment history to credit reporting agency(ies); per person.

$4.95 / mo

Trash Container - Replacement

Amount to replace trash/waste container.

$100 / occurence

Access Device - Replacement

Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes.

$100 / occurence

Renters Liability Only - Non-Compliance

Amount for not maintaining required Renters Liability Policy

$15 / occurence

Access/Lock Change Fee

Amount to change or reprogram access to rental home.

$35 / occurence

Utility - Vacant Processing Fee

Amount for failing to transfer utilities into resident name.

$50 / occurence

Returned Payment Fee (NSF)

Amount for returned payment.

$75 / occurence

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within community.

$750 / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; excludes rent and other charges.

200% of base rent / occurence

Reletting Fee

Marketing fee related to early lease termination; excludes rent and other charges.

85% of base rent / occurence

Late Fee

Amount for paying after rent due date; per terms of lease.

9.99% of base rent / occurence

Late Move-Out Fee

Amount for moving out later (holdover) than scheduled; excludes rent and other charges.

Varies

Lease Violation

Amount for violation of community policies and/or per lease terms.

Varies

Liquidated Damages

Amount for not satisfying the application and/or lease terms

Varies

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations.

Varies

Utility - Vacant Cost Recovery

Usage-Based (Utilities).Amount for utility usage not transferred to resident responsibility any time during occupancy.

Varies

Amenities

Special Features

Bike Repair Shop And Storage Mudrooms Outdoor Kitchen Loss Leader 25 9-18 Ft. Ceilings Bathtub With Tile Surround Glass-enclosed Shower Loss Leader 5 Loss Leader 75 Sky Lounge 24-hour Maintenance Business Center & Conference Room Coffee Bar Fire Pit lounge Pet park & Spa Resort Style Spa Flex Fitness Studio Wood-style Flooring 24/7 Package Concierge System Electric Vehichle Charging Stations Two-tone Designer Paint Yoga & Aerobic Studio 9-18ft ceilings Cafe Private Balcony Or Patio* Private Yards Wakability to Pearl

Community Features

Community-Wide WiFi Wi-Fi 24 Hour Access Trash Pickup - Door to Door Recycling Laundry Service Maid Service Planned Social Activities Pet Washing Station Car Charging Station Key Fob Entry Elevator Business Center Clubhouse Lounge Breakfast/Coffee Concierge Storage Space Disposal Chutes Conference Rooms Roof Terrace Sundeck Cabana Courtyard Grill Zen Garden Fitness Center Pool Bicycle Storage Gameroom Media Center/Movie Theatre

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Trash Compactor Storage Space Double Vanities Tub/Shower Sprinkler System Framed Mirrors Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Carpet Vinyl Flooring Dining Room Mud Room Recreation Room Built-In Bookshelves Walk-In Closets Linen Closet Loft Layout Window Coverings Large Bedrooms Balcony Patio Yard

What's Within Reach

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

Pharmacy

  • The Care Clinic Pharmacy 5.0
  • CVS Pharmacy 4.4
  • H-E-B Pharmacy 3.8

Hospital

  • The Emergency Clinic at The Pearl 4.8
  • The Emergency Clinic Alamo Heights 4.9
  • Больница Эмердженси Департмент - Юниверсити Хелт Юниверсити 2.0

Gym

  • War House Gym San Antonio 4.8
  • Texas Iron Gym - Cold Plunge 5.0
  • Gold's Gym San Antonio Alamo Heights 3.8

Restaurant

  • Down on Grayson 4.4
  • Fried Hard 4.9
  • Smash'd 4.4

Park

  • Парк Бракенридж 4.7
  • Yanaguana Garden at Hemisfair 4.8
  • Olmos Basin Park 4.5

Bank

  • Jefferson Bank Pearl District & Headquarters 5.0
  • Frost Bank 4.2
  • Bank of America Financial Center 2.5

Gas

  • Circle K 4.1
  • Circle K | Gas Station 4.0
  • Circle K | Gas Station

Pet Policy

Bringing a pet? Here's what Encore Grayson 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
$25 Monthly Pet Rent
$450-$900 Fee
2 Pet Limit

About Encore Grayson Apartments

Year Built: 2023
Stories: 5 stories
Units: 386
Phone: (726) 900-3930

From the property listing:

A reality of living color awaits! Live in one of our lofts, one & two bedroom apartment homes at Encore Grayson!

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 Encore Grayson Apartments require renters insurance?
We found specific coverage details on Encore Grayson 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 Encore Grayson Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). Encore Grayson 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.
What will I actually pay per month at Encore Grayson Apartments?
Plan for $1,469 to $2,713/month all-in. That's base rent ($1,396 – $2,640), plus $61/month in required fees (trash, utilities, etc.), plus roughly $12/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Encore Grayson Apartments allow pets?
Yes, Encore Grayson Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $25 Monthly Pet Rent. $450-$900 Fee. 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 Encore Grayson Apartments offer?
There are 19 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,396 – $2,640. 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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