Tacara at Stone Oak Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Tacara at Stone Oak Apartments in Stone Oak? Rent here runs $1,215 - $2,520, 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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22803 N US Hwy 281, San Antonio, TX 78258

Stone Oak

Managed by Ilan Investments Built 2020 4 stories 338 units
5/5 ·14 reviews
$1,215 - $2,520 /month

Monthly Cost Breakdown at Tacara at Stone Oak Apartments

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

Total Monthly Cost $1,227 – $2,532
Base Rent $1,215 – $2,520
Required Monthly Fees $0
Est. Renters Insurance $12/mo

Renters Insurance at Tacara at Stone Oak Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Tacara at Stone Oak 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 Tacara at Stone Oak 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 Tacara at Stone Oak 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 $11/mo

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

Compare Quotes Free · No account required

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 Tacara at Stone Oak Apartments.

1%

San Antonio overall is safer than only 1% of U.S. cities

This reflects San Antonio as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: Tacara at Stone Oak Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, Covered parking, On site maintenance) that insurers recognize with premium discounts.

On-Site Security

Package service Controlled access Property manager on site Gated Covered parking On site maintenance

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$0

Administrative Fee

$150

Pets Fees

Pet Deposit

$200

Monthly Pet Fee

$25 / mo

One-Time Pet Fee

$300

Parking Fees

Parking Fee

$150 / mo

Amenities

Special Features

On-Site Maintenance Team Resident Lounge Stand-Up Showers & Garden Soak Tubs* Under Cabinet Lighting Zoned to Tejeda Middle School Dog Park and Pet Washing Station Private Yards Available* Valet Trash Zoned to Johnson High School Zoned to Tuscany Heights Elementary Covered Parking and Garages Available In Select Homes* Modern Cabinetry with Designer Hardware One-, Two-, and Three-Bedroom Floorplans Private Patio or Balcony* Stand Up Showers Stone Oak Property Owners Association Attached Single Garage* Large Walk-In Closets Luxer Lockers Online Resident Portal 24/7 Clubroom Access Attached Garages Available* Cold Storage Community Refrigerator Covered Outdoor Lounge with TVs Double Sink Vanity* Full-sized Samsung Washer/Dryer Included Large Kitchen Island with Deep Undermount Sink Nearby Village at Stone Oak Pendant Lighting Smart Home Features White Quartz Countertops Attached Garage Available Floorplans* Floating Cabinets Pet-Friendly Resort Style Pool with Cabana and Lounges Dog Park Nearby Stone Ridge Market and Vineyard Shopping Center White Rivet Subway Tile Backsplash Wood-Style Flooring Coffee Lounge Game Room Keyless Entry Outdoor Kitchen and Grilling Areas Samsung Stainless Steel Appliances

Community Features

Maintenance on site 24 Hour Access Trash Pickup - Door to Door Renters Insurance Program Online Services Planned Social Activities Pet Play Area Pet Washing Station Key Fob Entry Wheelchair Accessible Business Center Clubhouse Courtyard Grill Fitness Center Pool Gameroom

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Storage Space Double Vanities Tub/Shower Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Refrigerator Freezer Quartz Countertops Hardwood Floors Carpet Vinyl Flooring Dining Room High Ceilings Office Vaulted Ceiling Views Walk-In Closets Large Bedrooms Balcony Patio

Pet Policy

Bringing a pet? Here's what Tacara at Stone Oak 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

  • $200 Deposit
  • $25 Monthly Pet Rent
  • $300 Fee
  • 100 lb Weight Limit
  • 2 Pet Limit

About Tacara at Stone Oak Apartments

Experience resort-style living at its finest at our upscale homes perfectly blend sophistication and comfort, offering a lifestyle that’s truly unparalleled. Located in the highly sought-after Stone Oak area, Tacara at Stone Oak is surrounded by top-rated schools, including Tuscany Heights Elementary, Tejeda Middle School, and Johnson High School—bringing quality education close to home. Stay active and energized with our State-of-the-Art Fitness Center, 24/7 Game Room, and a Texas-sized Bark Park, exclusively for our residents. When it’s time to unwind, indulge in nearby shopping at North woods Shopping Center or the Village at Stone Oak. Plus, we’re just a short drive from premier destinations like The Shops at La Cantera, La Cantera Resort and Spa, and Fiesta Texas. You’ll find the perfect balance of luxury, convenience, and community.

Year Built: 2020
Stories: 4
Total Units: 338
Management: Ilan Investments
Phone: (210) 985-9441

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

Dwell at Legacy Apartments

Stone Oak

$1,070 - $2,637 Ins: ~$14/mo

Marquis on Evans Apartments

Stone Oak

$1,020 - $3,428 Ins: ~$14/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 Tacara at Stone Oak Apartments require renters insurance?
We didn't find a public insurance requirement for Tacara at Stone Oak 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 Tacara at Stone Oak Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). Tacara at Stone Oak 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 Tacara at Stone Oak Apartments?
Plan for $1,227 to $2,532/month all-in. That's base rent ($1,215 - $2,520), 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 Tacara at Stone Oak Apartments allow pets?
Yes, Tacara at Stone Oak Apartments is pet-friendly. Here are the details: Dogs Allowed. $200 Deposit. $25 Monthly Pet Rent. $300 Fee. 100 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 Tacara at Stone Oak Apartments offer?
There are 15 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,215 - $2,520. 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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