Renters Insurance at The Flats at Olmos Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Flats at Olmos Apartments can push your insurance cost up or down:
Older Building
Built in 1965 — 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
Pest Issues
3 mentions in Google reviews
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 Flats at Olmos Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
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 Flats at Olmos 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
Next Step
See if you can beat $15/mo
5 discounts may apply here. Real quotes show your actual price — estimates can't.
Safety
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
On-Site Security
Natural Hazards & Your Renters Coverage
For a renter, the natural-hazard story at this address is the easy version: flood risk is low, earthquake shaking is rare, and severe weather in Bexar County doesn't drive an unusual claim profile. A baseline renters policy is sufficient — none of the optional flood or earthquake endorsements pay back at this kind of address. The data is below for completeness.
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
Low seismic hazard · ground motion 0.02g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
Severe-weather activity in Bexar County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for Bexar County. Counts reflect reported events, not damage amounts.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
103-107 Jackson Keller Rd, San Antonio, TX 78216
North Central San Antonio
Monthly Cost Breakdown at The Flats at Olmos Apartments
The listed rent isn't the whole number. Here's what The Flats at Olmos Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Flats at Olmos Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Pet Policy
Bringing a pet? Here's what The Flats at Olmos 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.
About The Flats at Olmos Apartments
From the property listing:
The Flats at Olmos is apartment living at its best. Let our responsive management team do all they can to make you feel at home. Beautifully landscaped grounds create a wonderful living environment, and The Flats at Olmos offers every amenity you could want, including a pool and the convenience of on-site laundry facilities. Our pet friendly community is a great home for you and your fur baby. Steps from Shearer Hills paved walking trail with fitness stations.
Frequently Asked Questions
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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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