Renters Insurance at Union Lofts of Augusta
What Affects Your Premium Here
Every building is different. These factors specific to Union Lofts of Augusta 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
FEMA Flood Zone
Zone X — minimal flood risk
AreaVibes
Crime grade: F
What You'll Likely Pay
$12
Est. Monthly
$147
Est. Annual
$11
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 Union Lofts of Augusta based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
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 Union Lofts of Augusta:
| 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 $11/mo
7 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 Augusta.
F
Area Crime Grade
Detailed FBI property-crime data isn't available for Augusta in the latest reporting cycle, so we're showing the AreaVibes neighborhood grade as a general signal. Union Lofts of Augusta has on-site security features (Controlled access, Gated, Sprinklers, Perimeter fencing) that insurers recognize with premium discounts.
On-Site Security
Natural Hazards & Your Renters Coverage
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
FEMA Zone X (Area With Reduced Flood Risk Due To Levee) — 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
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
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
Severe-weather activity in Richmond County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for Richmond County. Counts reflect reported events, not damage amounts.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
513 James Brown Blvd, Augusta, GA 30901
Downtown Augusta
Monthly Cost Breakdown at Union Lofts of Augusta
The listed rent isn't the whole number. Here's what Union Lofts of Augusta actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Union Lofts of Augusta. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Administrative Fee
This fee is used as a holding place for the vacant or soon t o be vacant apartment. This fee is only returned if you are not approved by our set qualifications or if you cancel the application within the 72-hour window given after application results are shared with applicant. If cancelation occurs after the 72-hour window, the fee is non-refundable. Payable to Beman Group Real Estate. Charged per unit. Payable to 3rd Party
Application Fee Per Applicant
Each individual who will be living at Union Lofts that is 18 years of age or older must complete an application for screening. Payable to Beman Group Real Estate. Charged per unit. Payable to 3rd Party
Pets Fees
Pet Fee
Max of 2. Charged per pet. Payable to 3rd Party
Pet Policy
Bringing a pet? Here's what Union Lofts of Augusta allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Union Lofts of Augusta
From the property listing:
HEART OF DOWNTOWN AUGUSTA Location, location, location! Union Lofts offers charming apartment homes in the heart of Downtown Augusta. Enjoy open floor plans, spacious closets, and large windows that bring in beautiful natural light. Plus, each home features stainless-steel appliances throughout. APARTMENT HIGHLIGHTS • 1 & 2 Bedroom Apartment Homes • Open Floor Plans • Large Closet Space • Stainless-Steel Appliances • Washer & Dryer Included • Central Heating & Air • Pet Friendly • Gated Parking + Keyless Entry
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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