Palacio Del Sol I & II Senior Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Palacio Del Sol I & II Senior Apartments in Downtown San Antonio? Rent here runs $529 – $1,627, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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400 N Frio St, San Antonio, TX 78207

Downtown San Antonio

Built 2006 4 stories 222 units
Apt. Finder
$529 – $1,627 /month

Monthly Cost Breakdown at Palacio Del Sol I & II Senior Apartments

The listed rent isn't the whole number. Here's what Palacio Del Sol I & II Senior Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $542 – $1,640
Base Rent $529 – $1,627
Est. Renters Insurance $13/mo

Renters Insurance at Palacio Del Sol I & II Senior Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Palacio Del Sol I & II Senior 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

What You'll Likely Pay

$13

Est. Monthly

$160

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 Palacio Del Sol I & II Senior Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$15,000 recommended

If you own less

$10,000

If you own more

$25,000

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 Palacio Del Sol I & II Senior 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 $12/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

Controlled access Gated

Fees Beyond Rent

These are the additional charges beyond base rent at Palacio Del Sol I & II Senior Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

$19

Pets Fees

Pet Deposit

$300

Amenities

Community Features

Laundry Facilities Business Center Clubhouse Courtyard Grill Picnic Area Fitness Center Pool Gameroom

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Hookup Air Conditioning Ceiling Fans Smoke Free Cable Ready Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Pantry Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Balcony

Pet Policy

Bringing a pet? Here's what Palacio Del Sol I & II Senior Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Other Pets Allowed
$300 Deposit

About Palacio Del Sol I & II Senior Apartments

Year Built: 2006
Stories: 4 stories
Units: 222
Phone: (726) 200-6170

From the property listing:

Come home to Palacio Del Sol I & II Senior Apartments. You'll find this community at 400 N Frio St in the Cattleman Square area of San Antonio. From amenities to availability, the leasing staff is ready to help you find your new home. Come see Palacio Del Sol I & II Senior Apartments today.

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.

100 Labor Downtown Apartments

Downtown San Antonio

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

319 S Flores St Apartment

Downtown San Antonio

$1,050 Ins: ~$14/mo

710 S Medina St Apartment

Downtown San Antonio

$975 Ins: ~$14/mo

Acero Apartments

Downtown San Antonio

$1,160 - $2,635 Ins: ~$12/mo

Agave Apartments

Downtown San Antonio

$1,305 - $2,369 Ins: ~$13/mo

Aspire at Tampico Apartments

Downtown San Antonio

$557 - $1,673 Ins: ~$12/mo

Frequently Asked Questions

Does Palacio Del Sol I & II Senior Apartments require renters insurance?
We didn't find a public insurance requirement for Palacio Del Sol I & II Senior 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 Palacio Del Sol I & II Senior Apartments?
For this zip code and building type, expect to pay around $13/month ($160/year). Palacio Del Sol I & II Senior 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 Palacio Del Sol I & II Senior Apartments?
Plan for $542 to $1,640/month all-in. That's base rent ($529 – $1,627), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Palacio Del Sol I & II Senior Apartments allow pets?
Yes, Palacio Del Sol I & II Senior Apartments is pet-friendly. Here are the details: Other Pets Allowed. $300 Deposit. Standard renters insurance covers pet-related liability at no extra cost.
What floor plans does Palacio Del Sol I & II Senior Apartments offer?
There are 4 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $529 – $1,627. 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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