The Vance at Huebner Oaks Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at The Vance at Huebner Oaks Apartments in Northwest San Antonio? Rent here runs $928 - $1,461, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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11539 Huebner Rd, San Antonio, TX 78230

Northwest San Antonio

Built 2015 4 stories 396 units
5/5 ·14 reviews
$928 - $1,461 /month

Monthly Cost Breakdown at The Vance at Huebner Oaks Apartments

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

Total Monthly Cost $941 – $1,474
Base Rent $928 – $1,461
Required Monthly Fees $0
Est. Renters Insurance $13/mo

Renters Insurance at The Vance at Huebner Oaks Apartments

What Affects Your Premium Here

Every building is different. These factors specific to The Vance at Huebner Oaks 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

$13

Est. Monthly

$160

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 Vance at Huebner Oaks Apartments based on the rent level and building features.

Personal Property Coverage

$30,000 recommended
Low: $15,000 High: $50,000

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 The Vance at Huebner Oaks 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 $12/mo

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

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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 The Vance at Huebner Oaks 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: The Vance at Huebner Oaks Apartments has on-site security features (Controlled access, Gated, Package lockers, Covered parking) that insurers recognize with premium discounts.

On-Site Security

Controlled access Gated Package lockers Covered parking

Fees Beyond Rent

These are the additional charges beyond base rent at The Vance at Huebner Oaks 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

$150

Pets Fees

Pet Deposit

$250

Monthly Pet Fee

$20 / mo

One-Time Pet Fee

$300 - $300

Amenities

Special Features

2'' blinds A range of open and spacious floor plans Bocce Ball & Horseshoe Court Ceiling fans with lighting in all bedrooms Choice of designer interior color schemes Color Scheme Preference Designer hardwood cabinetry/Pendant lighting* Designer lighting and hardware Disability Accessible Unit (ADA) Expansive 9' ceilings Floor Plans That Fit Your Lifestyle Full-size washer and dryer connections Gourmet Kitchens Granite Countertops Granite countertops with under-mount sinks* Grilling & Picnic Courtyard High Speed Internet Interior Color Scheme Preference Kitchen Island Laminate wood floors Large entertaining islands* Large Walk-In Closets Leasable Garage Parking Linen storage* Modern Upscale Features Near Public Transit Package Lockers with 24/7 Access Pool view Pool Views Private patios and balconies* Private Pet Park & Interior Pet Spa Resident Lounge & Game Room Resort-Style Swimming Pool & Sundeck Spacious closets Spacious pantries Stainless Dbl Door Fridge Tiled backsplashes* Vinyl Wood Plank Flooring Vinyl Wood Planking Washer & Dryer in select units* Washer Dryer - Front Load Washer/Dryer Connections Washer/Dryer Hookup Wired for high-speed AT&T U-Verse and Time Warner

Community Features

Community-Wide WiFi Maintenance on site 24 Hour Access Trash Pickup - Door to Door Recycling Renters Insurance Program Planned Social Activities Pet Play Area Pet Washing Station Elevator Business Center Lounge Courtyard Grill Picnic Area Fitness Center Pool Gameroom

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Storage Space Dishwasher Disposal Granite Countertops Pantry Island Kitchen Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Carpet Vinyl Flooring Family Room Views Walk-In Closets Double Pane Windows Window Coverings Large Bedrooms Balcony Patio

Pet Policy

Bringing a pet? Here's what The Vance at Huebner Oaks 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 and Cats Allowed

  • $250 Deposit
  • $20 Monthly Pet Rent
  • $300 Fee
  • 2 Pet Limit

About The Vance at Huebner Oaks Apartments

Welcome to The Vance at Huebner Oaks — a luxury, vibrant apartment and townhome community designed with everything residents need to savor a quality living experience! From modern amenities to a selection of spacious floor plans accented with an upscale touch, we invite you to discover what next-level urban living is all about in north central San Antonio. Plus, our prime location in the heart of Huebner Oaks connects you to wherever you need to be with direct access to shopping, dining, and entertainment. Live the good life with us!

Year Built: 2015
Stories: 4
Total Units: 396
Phone: (210) 390-1211

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.

Frequently Asked Questions

Does The Vance at Huebner Oaks Apartments require renters insurance?
We didn't find a public insurance requirement for The Vance at Huebner Oaks 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 Vance at Huebner Oaks Apartments?
For this zip code and building type, expect to pay around $13/month ($160/year). The Vance at Huebner Oaks Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $14/month, so this building is below average.
What will I actually pay per month at The Vance at Huebner Oaks Apartments?
Plan for $941 to $1,474/month all-in. That's base rent ($928 - $1,461), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does The Vance at Huebner Oaks Apartments allow pets?
Yes, The Vance at Huebner Oaks Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $250 Deposit. $20 Monthly Pet Rent. $300 Fee. 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 Vance at Huebner Oaks Apartments offer?
There are 22 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $928 - $1,461. 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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