Renters Insurance at 3221 The Alameda Condo
What Affects Your Premium Here
Every building is different. These factors specific to 3221 The Alameda Condo can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 3945/100K (150% above national average)
What You'll Likely Pay
$14
Est. Monthly
$162
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 3221 The Alameda Condo 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 Maryland
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 3221 The Alameda Condo:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $93/yr |
| USAA | $9/mo | $104/yr |
| State Farm | $12/mo | $139/yr |
| Progressive | $13/mo | $150/yr |
| Safeco | $13/mo | $150/yr |
| Travelers | $14/mo | $162/yr |
| Allstate | $14/mo | $174/yr |
| Nationwide | $14/mo | $174/yr |
| Farmers | $15/mo | $185/yr |
| Liberty Mutual | $17/mo | $208/yr |
Discounts You May Qualify For
Next Step
See if you can beat $14/mo
4 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 Baltimore.
Baltimore property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
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. 3221 The Alameda Condo also has on-site security features (Doorman, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Baltimore (2024-12 to 2025-11)
What residents talk about most
Security
Consistently positive in reviews
“I feel safe” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The seismic picture at 3221 The Alameda Condo is moderate — damaging earthquakes are uncommon but not unheard of, and standard renters insurance excludes earthquake damage regardless of likelihood. Flood risk is low at this address. The decision worth weighing is whether to add an inexpensive earthquake endorsement or skip it; the rationale for each is 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 0.07g
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 Baltimore (city) 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 Baltimore (city). Counts reflect reported events, not damage amounts.
This is the kind of address where the earthquake endorsement is a personal-preference call, not a clear-cut decision. Renters with valuable possessions usually add it; renters with mostly furniture and a laptop usually skip it.
3221 The Alameda, Baltimore, MD 21218
Northeast Baltimore City
Monthly Cost Breakdown at 3221 The Alameda Condo
The listed rent isn't the whole number. Here's what 3221 The Alameda Condo actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at 3221 The Alameda Condo. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Security Deposit - Refundable
Charged per unit.
About 3221 The Alameda Condo
From the property listing:
Rental Requirements: 3x the rental amount in NET INCOME Credit Score; 550 or higher. Washer and Dryer in building Deposit is equal to one month's rent or try our Deposit free alternative option through Obligo PARKING GARAGE 75 DOLLARS A MONTH Discover comfortable city living in this charming 2-bedroom, 1-bathroom apartment located at 3221 The Alameda, Unit 2. With its modern upgrades and prime location, this apartment offers everything you need for a relaxed lifestyle in Baltimore's thriving 21218 ZIP code.
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Disclaimer
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