Sonterra Heights Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Sonterra Heights Apartments in North San Antonio? Rent here runs $1,039 - $1,767, 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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18777 Stone Oak Pky, San Antonio, TX 78258

North San Antonio

Managed by Dayrise Residential LLC Built 2000 3 stories 332 units
5/5 ·62 reviews Apt. Finder
$1,039 - $1,767 /month

Monthly Cost Breakdown at Sonterra Heights Apartments

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

Total Monthly Cost $1,053 – $1,781
Base Rent $1,039 – $1,767
Required Monthly Fees $0
Est. Renters Insurance $14/mo

Renters Insurance at Sonterra Heights Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Sonterra Heights 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 Sonterra Heights Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$20,000

If you own more

$60,000

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 Sonterra Heights 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%
Alarm-ready unit
-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

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

Controlled access Gated Covered parking

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$75

Administrative Fee

$150

Pets Fees

Monthly Pet Fee

$20 / mo

One-Time Pet Fee

$400

Parking Fees

Parking Fee

$40 / mo

Amenities

Special Features

Resort Style Pool Ice Maker Pre-Wired Alarms Other 1st Floor 2nd Floor Fireplace * Hardwood Floors * VIEW-POOL DR - Washer & Dryer Vinyl Flooring Vinyl Upgrade DR - Plank (All) Quartz Counter Tops USB Charging Ports * Golf Course View

Community Features

Wi-Fi Trash Pickup - Door to Door Pet Play Area Clubhouse Storage Space Walk-Up Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Security System Storage Space Tub/Shower Fireplace Dishwasher Disposal Ice Maker Granite Countertops Kitchen Microwave Range Hardwood Floors Carpet Vinyl Flooring Dining Room Crown Molding Walk-In Closets Window Coverings Balcony Patio

Pet Policy

Bringing a pet? Here's what Sonterra Heights 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

  • $20 Monthly Pet Rent
  • $400 Fee
  • 2 Pet Limit

About Sonterra Heights Apartments

Luxury, comfort, and convenience are what life at Sonterra Heights is all about. Whether it’s our beautifully maintained grounds, our bright and spacious interiors, our luxury amenities, or our premium location you’ll find something you love around every corner of our stunning North San Antonio apartments.Residents of Sonterra Heights enjoy first-class amenities like a stylish new clubhouse, a sparkling oasis pool, and a state-of-the-art fitness center - all in an inspiring setting dotted with mature heritage oak trees and overlooking the peaceful greens of the Golf Club at Sonterra.With easy access to Loop 1604 as well as a number of excellent shopping, dining, and nightlife destinations Sonterra Heights grants you premium access to the very best of San Antonio. Whether you're heading into work or just looking for a little fun on the weekends, our Stone Oak apartments put you exactly where you want to be.

Year Built: 2000
Stories: 3
Total Units: 332
Management: Dayrise Residential LLC
Phone: (726) 268-4769

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 Sonterra Heights Apartments require renters insurance?
We didn't find a public insurance requirement for Sonterra Heights 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 Sonterra Heights Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Sonterra Heights 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 Sonterra Heights Apartments?
Plan for $1,053 to $1,781/month all-in. That's base rent ($1,039 - $1,767), 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 Sonterra Heights Apartments allow pets?
Yes, Sonterra Heights Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $20 Monthly Pet Rent. $400 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 Sonterra Heights Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,039 - $1,767. 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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