The Cosmo Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at The Cosmo Apartments in Midtown San Antonio? Rent here runs $825 – $1,049, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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111 E Park Ave, San Antonio, TX 78212

Midtown San Antonio

Built 1960 2 stories 32 units
Apt. Finder
$825 – $1,049 /month

Monthly Cost Breakdown at The Cosmo Apartments

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

Total Monthly Cost $841 – $1,065
Base Rent $825 – $1,049
Est. Renters Insurance $16/mo

Renters Insurance at The Cosmo Apartments

We found a few insurance details on The Cosmo 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 The Cosmo Apartments can push your insurance cost up or down:

Older Building

Built in 1960 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

Dog-Friendly

Dogs allowed — consider higher liability coverage

What You'll Likely Pay

$16

Est. Monthly

$193

Est. Annual

$15

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 The Cosmo 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 The Cosmo 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%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $15/mo

5 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

Property manager on site Video patrol Gated Gated access Covered parking On site maintenance

Fees Beyond Rent

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

Required Fees

Application Fee Per Applicant

$50

Administrative Fee

$99

Amenities

Special Features

24 Hour Emergency Maintenance Black Appliances Packages* Ceiling Fans Covered Parking Faux Wood Flooring Throughout* Fiber Optic Available Free WiFi by pool new appliances new ceiling fans on-site laundry On-site Laundry Facility Pool Side Picnic Areas Updated Fixtures* wall to wall tile

Community Features

Laundry Facilities Online Services Walk-Up Courtyard Grill Picnic Area Pool Gas Range

Floor Plan Amenities

High Speed Internet Access Wi-Fi Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Tub/Shower Dishwasher Disposal Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Oven Range Refrigerator Quartz Countertops Hardwood Floors Vinyl Flooring Vaulted Ceiling Walk-In Closets Linen Closet Balcony

Pet Policy

Bringing a pet? Here's what The Cosmo 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
$150 Deposit
$150 Fee
50 lb Weight Limit
2 Pet Limit

About The Cosmo Apartments

Year Built: 1960
Stories: 2 stories
Units: 32
Phone: (830) 971-0300

From the property listing:

Welcome to 111 E. Park! A gated community with newly renovated apartments in the heart of San Antonio’s 78212 zip code—just 0.7 miles from the River Walk and minutes from The Pearl District, San Antonio College, San Pedro Springs Park, and historic Tobin Hill. Enjoy being steps away from Main Street shopping, nightlife, local restaurants, coffee spots, and entertainment. This location is especially convenient for San Antonio college students with a 2 minutes' walk to campus. With a Walk Score of 82, everything you love about city living is right outside your door.

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 The Cosmo Apartments require renters insurance?
We found specific coverage details on The Cosmo 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 The Cosmo Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). The Cosmo Apartments has security features that qualify for discounts — with those applied, you could pay as little as $15/month. For context, the statewide average is $14/month, so this building is above average.
What will I actually pay per month at The Cosmo Apartments?
Plan for $841 to $1,065/month all-in. That's base rent ($825 – $1,049), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does The Cosmo Apartments allow pets?
Yes, The Cosmo Apartments is pet-friendly. Here are the details: Dogs Allowed. $150 Deposit. $150 Fee. 50 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 The Cosmo Apartments offer?
There are 2 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $825 – $1,049. 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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