The Tobin Estate Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at The Tobin Estate Apartments in North Central San Antonio? Rent here runs $1,352 – $2,521, 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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3310 Oakwell Ct, San Antonio, TX 78218

North Central San Antonio

Managed by Greystar Built 2020 4 stories 597 units
4/5 ·138 reviews Apt. Finder
$1,352 – $2,521 /month

Monthly Cost Breakdown at The Tobin Estate Apartments

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

Total Monthly Cost $1,432 – $2,601
Base Rent $1,352 – $2,521
Required Monthly Fees $68
Est. Renters Insurance $12/mo

Renters Insurance at The Tobin Estate Apartments

What Affects Your Premium Here

Every building is different. These factors specific to The Tobin Estate Apartments can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$12

Est. Monthly

$147

Est. Annual

$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 Tobin Estate Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Tobin Estate 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

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

4 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

Package service On site maintenance

Fees Beyond Rent

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

Required Fees

Utility - Stormwater/Drainage Admin Fee

Amount to manage drainage billing.

$2 / mo

Package Services

Amount for package services.

$22 / mo

Trash Administrative Fee

Amount to manage trash service billing.

$3 / mo

Trash Services - Doorstep

Amount for doorstep trash removal from rental home.

$30 / mo

Pest Control Services

Amount for pest control services.

$5 / mo

Trash Services - Hauling

Amount for shared trash/waste services.

Varies

Utility - Electric - Third Party

Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party.

Varies

Utility - Water/Sewer

Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services

Varies

Renters Liability Insurance - Third Party

Amount for renters liability insurance obtained through resident's provider of choice.

Varies

Utility - Water/Wastewater Submeter Admin Fee

Amount for water billing services calculated as a percentageof consumption as allowed by regulation.

Varies

Application Fee

Amount to process application, initiate screening, and take a rental home off the market.

$125

Security Deposit (Refundable)

Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms.

$500

Pets Fees

Pet Deposit (Refundable)

Amount for pet living in rental home. May be assessed per pet or per rental home, based on lease requirements. Refunds processed per lease terms.

$250

Pet Fee

Amount to facilitate authorized pet move-in.

$350

Pet Rent

Monthly amount for authorized pet.

$25 / mo

Pet Management - Third Party

Amount for authorized pet registration and screening services.

$30 / yr

Parking Fees

Parking Fee

Amount for parking space/services. May be subject to availability.

$25 - $45 / mo

Parking Fee

Amount for garage parking space/services. May be subject to availability.

$250 / mo

Parking - Guest

Amount for guest parking space/services. May be subject to availability.

$0.01 - $75 / occurence

Parking Fee

Amount for electric vehicle space; reserved or pay-per-use station. May be subject to availability.

Varies

Addons Fees

Access Device - Additional

Amount to obtain additional access device(s) for community; additional fob, additional key. May be subject to availability.

$100

Common Area/Clubhouse Rental

Amount to rent a shared common area space, including clubhouse. May be subject to availability.

$350 - $500 / occurence

Concierge Services

Amount for community concierge services; may be provided by third party.

Varies

Situational Fees

Positive Credit Reporting Services

Amount to send positive payment history to credit reporting agency(ies); per person.

$4.95 / mo

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within community.

$1,000 - $1,500 / occurence

Access Device - Replacement

Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes.

$100 / occurence

Renters Liability Only - Non-Compliance

Amount for not maintaining required Renters Liability Policy

$15 / occurence

Utility - Vacant Processing Fee

Amount for failing to transfer utilities into resident name.

$50 / occurence

Returned Payment Fee (NSF)

Amount for returned payment.

$75 / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; excludes rent and other charges.

200% of base rent / occurence

Reletting Fee

Marketing fee related to early lease termination; excludes rent and other charges.

85% of base rent / occurence

Late Fee

Amount for paying after rent due date; per terms of lease.

9.99% of base rent / occurence

Lease Violation

Amount for violation of community policies and/or per lease terms.

Varies

Lease Violation - Vehicle

Amount for violation of community vehicle policies.

Varies

Payment Services - Third Party

Amount for using a third party, electronic payment processing service (i.e. credit card, ACH, etc.).

Varies

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations.

Varies

Utility - Vacant Cost Recovery

Usage-Based (Utilities).Amount for utility usage not transferred to resident responsibility any time during occupancy.

Varies

Amenities

Special Features

Glazed Ceramic Tile Backsplash Package Receiving Doorbells Outdoor Entertainment Lawn Resident Clubroom Designer Cut Pile Carpeting Polished Chrome Hardware Rainfall Showerheads Under Cabinetry Lighting Walk-In Shower with Glass Surround* 24-Hour Emergency Maintenance Farm-Style Kitchen Sink with Gooseneck Faucet Large Walk-In Closets Dog Grooming Station Front Loading Washer & Dryer Patio Storage Pool House with Outdoor Kitchen Recessed Lighting 9 Ft Ceilings Coffee & Refreshment Station Kitchen Islands* Programmable Thermostats Ceiling Fans in Bedrooms Fire Pit Rooftop Terrace USB Charging Outlets 2-Inch Faux Wood Blinds Greenbelt Views LED Lighting

Community Features

Business Center Fitness Center Pool

Floor Plan Amenities

Air Conditioning Stainless Steel Appliances

Pet Policy

Bringing a pet? Here's what The Tobin Estate Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Pet policies are negotiable.

About The Tobin Estate Apartments

Year Built: 2020
Stories: 4 stories
Units: 597
Management: Greystar
Phone: (210) 972-2745

From the property listing:

Set apart from the busy city pace and in view of a beautiful green belt sits The Tobin Estate. A unique collection of grace and sophistication. Born of local heightened inspiration, our residential structures and arrangement stem from the collective work and ingenuity of skilled architects and talented designers whose shared vision yielded the wonder our residents know as home. Heritage oak trees can be seen both enclosing and populating the lushly green grounds, creating a sense of vibrancy and comfort-inducing natural immersion for residents who need a reprieve from the ordinary.

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 Tobin Estate Apartments require renters insurance?
We didn't find a public insurance requirement for The Tobin Estate 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 The Tobin Estate Apartments?
For this zip code and building type, expect to pay around $12/month ($147/year). For context, the statewide average is $14/month, so this building is below average.
What will I actually pay per month at The Tobin Estate Apartments?
Plan for $1,432 to $2,601/month all-in. That's base rent ($1,352 – $2,521), plus $68/month in required fees (trash, utilities, etc.), 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 The Tobin Estate Apartments allow pets?
Pet policies at The Tobin Estate Apartments are handled on a case-by-case basis — contact the leasing office for details.
What floor plans does The Tobin Estate Apartments offer?
There are 15 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,352 – $2,521. 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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