Renters Insurance at The Starling Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Starling 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
NeighborhoodScout
Safer than only 1% of US cities
What You'll Likely Pay
$13
Est. Monthly
$155
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 The Starling Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended
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 Starling 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 $12/mo
6 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
At The Starling Apartments, none of the three big natural hazards a renter might worry about — flooding, earthquakes, severe weather — show up as meaningful concerns. A standard renters policy without endorsements covers the actual claim risks here. The agency-by-agency detail is below if you want to see it.
Earthquake shaking
USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.
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
NOAA's severe-weather record for Bexar County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source: NOAA Storm Events Database, annual averages from the past five years for Bexar County. Counts reflect reported events, not damage amounts.
The natural-hazard picture is favorable enough that a baseline renters policy is the right end-state for most renters here. No upgrade required.
10148 Culebra Rd, San Antonio, TX 78251
Far West San Antonio
Monthly Cost Breakdown at The Starling Apartments
The listed rent isn't the whole number. Here's what The Starling 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 Starling Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Administrative Fee
Pets Fees
Monthly Pet Fee
Pet Policy
Bringing a pet? Here's what The Starling Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Starling Apartments
From the property listing:
Located on the desirable Northwest side of San Antonio, this new, gorgeous & affordable community offers spacious, unique and modern 1, 2 and 3 bedroom apartments alongside fabulous amenities! The Starling boasts well-appointed and desirable interiors, such as fully-equipped kitchens, granite countertops and full-sized washer & dryer connections. Our Texan resident will discover relaxation in the sparkling swimming pool, get fit in the 24-hour fitness center and experience an overall comfortable lifestyle! The Starling-Modern living. Moderately Priced.
Frequently Asked Questions
Does The Starling Apartments require renters insurance?
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What will I actually pay per month at The Starling Apartments?
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What is SafeButler and how does it work for The Starling Apartments renters?
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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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