Renters Insurance at Crossroads Market Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Crossroads Market Apartments can push your insurance cost up or down:
Older Building
Built in 1985 — 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: 1479/100K (6% below national average)
What You'll Likely Pay
$14
Est. Monthly
$168
Est. Annual
$13
With Discounts/mo
$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 Crossroads Market Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Standard minimum for most lease requirements in Georgia
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Crossroads Market Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $91/yr |
| USAA | $9/mo | $103/yr |
| State Farm | $11/mo | $137/yr |
| Progressive | $12/mo | $149/yr |
| Safeco | $12/mo | $149/yr |
| Travelers | $13/mo | $160/yr |
| Allstate | $14/mo | $171/yr |
| Nationwide | $14/mo | $171/yr |
| Farmers | $15/mo | $183/yr |
| Liberty Mutual | $17/mo | $206/yr |
Discounts You May Qualify For
Next Step
See if you can beat $13/mo
5 discounts may apply here. Real quotes show your actual price — estimates can't.
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 North Augusta.
North Augusta property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in North Augusta track closely with national baselines. Crossroads Market Apartments also has on-site security features (Sprinklers) that insurers recognize with discounts.
Source: FBI UCR Program, North Augusta (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.
On-Site Security
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like Crossroads Market Apartments, the question of whether to add earthquake coverage to a renters policy isn't obvious — endorsements run roughly $50–$150 a year, and the probability of a damaging quake is real but low. Flood risk here is minimal and most other weather damage is already covered. Specifics below.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
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.
Earthquake shaking
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
Moderate seismic hazard · ground motion 0.14g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
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 Richmond 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 Richmond County. Counts reflect reported events, not damage amounts.
Standard renters insurance is enough for most renters here. The earthquake endorsement is worth pricing if you'd find replacing your possessions out-of-pocket painful.
474 Crossroads Dr, North Augusta, SC 29841
North Augusta
Monthly Cost Breakdown at Crossroads Market Apartments
The listed rent isn't the whole number. Here's what Crossroads Market Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Crossroads Market Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Pet Policy
Bringing a pet? Here's what Crossroads Market Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Crossroads Market Apartments
From the property listing:
Discover your new apartment at Crossroads Market Apartments. Located at 474 Crossroads Dr in North Augusta, this community is perfectly situated for work or play. The leasing team is ready to help you find your perfect new place. Come see Crossroads Market Apartments today.
Frequently Asked Questions
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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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