Viva Max Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Mar 30, 2026

Thinking about renting at Viva Max Apartments in Westside San Antonio? Rent here runs $699 – $1,049, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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3631 Callaghan Rd, San Antonio, TX 78228

Westside San Antonio

Built 1984 3 stories 240 units
4/5 ·8 reviews Apt. Finder
$699 – $1,049 /month

Monthly Cost Breakdown at Viva Max Apartments

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

Total Monthly Cost $714 – $1,064
Base Rent $699 – $1,049
Est. Renters Insurance $15/mo

Renters Insurance at Viva Max Apartments

Accepted Insurance Providers

Viva Max Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

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What Affects Your Premium Here

Every building is different. These factors specific to Viva Max Apartments can push your insurance cost up or down:

Older Building

Built in 1984 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$15

Est. Monthly

$176

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 Viva Max 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 Viva Max 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 $15/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 Concierge Doorman

Fees Beyond Rent

These are the additional charges beyond base rent at Viva Max 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

$100

Pets Fees

Cat Fee

$300

Dog Fee

$300

Cat Rent

$20 / mo

Dog Rent

$20 / mo

Amenities

Special Features

Balcony or Patio Ceiling Fan Dining rooms Dishwashers Faux hardwood floors Garbage disposals Kitchen islands Picnic areas Private clubhouse Sparkling swimming pool & sundeck Stackable washer/dryer Connections Vaulted Ceilings *

Community Features

Laundry Facilities 24 Hour Access Clubhouse Sundeck Picnic Area Pool

Floor Plan Amenities

Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Tub/Shower Dishwasher Disposal Island Kitchen Kitchen Range Hardwood Floors Carpet Vinyl Flooring Dining Room Vaulted Ceiling Walk-In Closets Window Coverings Balcony Patio

Pet Policy

Bringing a pet? Here's what Viva Max 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

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

About Viva Max Apartments

Viva Max offers one- and two-bedroom apartments just a short drive from the Medical District, Westover Hills Shopping Center, and Lackland AFB. Newly upgraded apartment homes feature walk-in closets, hardwood floors, and brushed nickel finishes.

Year Built: 1984
Stories: 3
Total Units: 240
Phone: (830) 420-0245

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 Viva Max Apartments require renters insurance?
We didn't find a public insurance requirement for Viva Max 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 Viva Max Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Viva Max Apartments?
Plan for $714 to $1,064/month all-in. That's base rent ($699 – $1,049), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Viva Max Apartments allow pets?
Yes, Viva Max Apartments is pet-friendly. Here are the details: Dogs and Cats Allowed. $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 Viva Max Apartments offer?
There are 2 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $699 – $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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