Riva Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 16, 2026

Thinking about renting at Riva Apartments in Dunwoody? Rent here runs $1,459 – $2,300, 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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4685 Chamblee Dunwoody Rd, Atlanta, GA 30338

Dunwoody

Managed by ML Property Group Built 1968 2 stories 122 units
4.2/5 ·119 reviews Google
4/5 ·32 reviews Apt. Finder
$1,459 – $2,300 /month

Monthly Cost Breakdown at Riva Apartments

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

Total Monthly Cost $1,942 – $2,783
Base Rent $1,459 – $2,300
Required Monthly Fees $470
Est. Renters Insurance $13/mo

Renters Insurance at Riva Apartments

What Affects Your Premium Here

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

Older Building

Built in 1968 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 3169/100K (101% above national average)

What You'll Likely Pay

$13

Est. Monthly

$160

Est. Annual

$13

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 Riva 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 for accidents at shared amenities

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Riva Apartments:

Carrier Monthly Annual
Lemonade $7/mo $80/yr
USAA $7/mo $89/yr
State Farm $10/mo $119/yr
Progressive $11/mo $129/yr
Safeco $11/mo $129/yr
Travelers $12/mo $139/yr
Allstate $12/mo $149/yr
Nationwide $12/mo $149/yr
Farmers $13/mo $159/yr
Liberty Mutual $15/mo $179/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 $13/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 Atlanta.

Atlanta property crime rate

3,169

per 100K residents

101% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
330 / 200
Larceny / theft
2,370 / 1,172
Vehicle theft
469 / 206

U.S. average

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Riva Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.

Source: FBI UCR Program, Atlanta (2024-12 to 2025-11)

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.

Maintenance Issues Common topic
3×

On-Site Security

Property manager on site

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Riva Apartments.

FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk

Flood insurance optional but inexpensive in this zone.

Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.

Fees Beyond Rent

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

Required Fees

One Bedroom Water/Sewer

Charged per unit.

$60 / mo

Two Bedroom Water/Sewer

Charged per unit.

$70 / mo

Three Bedroom Water/Sewer

Charged per unit.

$80 / mo

Community Fee

Charged per unit.

$80.09 / mo

Administrative Fee

WAIVED ADMINISTRATIVE FEE UNITL 11/28/2025 Charged per unit.

$200

Application Fee Per Applicant

WAIVED APPLICATION FEE UNITL 11/28/2025 Charged per applicant.

$89

Pets Fees

Pet Fee

Max of 2. Charged per pet.

$300

Monthly Pet Fee

Max of 2. Charged per pet.

$25 / mo

Parking Fees

Parking Fee

Max of 2. Charged per unit.

Free

Amenities

Community Features

Maintenance on site Trash Pickup - Door to Door Recycling Public Transportation Pool Walking/Biking Trails

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Trash Compactor Tub/Shower Fireplace Dishwasher Disposal Ice Maker Stainless Steel Appliances Pantry Island Kitchen Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Breakfast Nook Quartz Countertops Carpet Vinyl Flooring Dining Room Office Walk-In Closets Window Coverings Balcony Patio

Pet Policy

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

Cats Allowed
$25 Monthly Pet Rent
$300 Fee
2 Pet Limit

About Riva Apartments

Year Built: 1968
Stories: 2 stories
Units: 122
Management: ML Property Group
Phone: (470) 777-6225

From the property listing:

Riva, a timeless community renovated with custom finishes, offers the best of Atlanta at your doorstep. Live at Riva and you’re connected to all the top-tier neighborhoods, offices, retail, and cultural scenery that Dunwoody has to offer. Centrally located yet offering the ease to unplug at a moment’s notice, let the greenery and open spaces of Riva transport you to your own oasis in the heart of Dunwoody.

Other Options Nearby

Still weighing your choices? Other communities in Atlanta — compare rent and estimated insurance cost side by side.

10 Perimeter Park Apartments

Dunwoody

$1,364 - $2,650 Ins: ~$13/mo

Flats at Perimeter Place Apartments

Dunwoody

$1,595 - $3,095 Ins: ~$12/mo

The Drexel Collective Apartments

Dunwoody

$1,547 - $2,635 Ins: ~$13/mo

100 Midtown Apartments

Midtown Atlanta

$959 - $1,500 Ins: ~$15/mo

1000 Spalding Apartments

Atlanta

$1,274 - $3,915 Ins: ~$12/mo

1003 Center St NW Apartment

West Midtown Atlanta

$1,950 Ins: ~$16/mo

Frequently Asked Questions

Does Riva Apartments require renters insurance?
We didn't find a public insurance requirement for Riva 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 Riva Apartments?
For this zip code and building type, expect to pay around $13/month ($160/year). For context, the statewide average is $13/month, so this building is right around average.
What will I actually pay per month at Riva Apartments?
Plan for $1,942 to $2,783/month all-in. That's base rent ($1,459 – $2,300), plus $470/month in required fees (trash, utilities, etc.), 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 Riva Apartments allow pets?
Yes, Riva Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $300 Fee. 2 Pet Limit. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around Riva Apartments?
Property crime in Atlanta runs noticeably higher than the national average — 3,169 incidents per 100,000 residents versus the U.S. average of 1,578. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 330/100K here. On the property itself, you'll find property manager on site — features that can qualify for premium discounts.
What floor plans does Riva Apartments offer?
There are 6 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,459 – $2,300. 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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