Renters Insurance at Broadview Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Broadview Apartments can push your insurance cost up or down:
Older Building
Built in 1952 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Pest Issues
5 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 3945/100K (150% above national average)
What You'll Likely Pay
$15
Est. Monthly
$177
Est. Annual
$14
With Discounts/mo
$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 Broadview Apartments 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
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 Broadview Apartments:
| 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
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 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. Broadview Apartments also has on-site security features (Controlled access, Concierge, Doorman, Package lockers) that insurers recognize with discounts.
Source: FBI UCR Program, Baltimore (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.
What residents talk about most
Maintenance
A recurring concern in reviews
“I know maintenance problems and pest control can’t magically be easy in a 1950 building.” — Google reviewer
Management
Consistently positive in reviews
“Good staff is hard to find and retain.” — Google reviewer
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 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
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 0.07g
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
Severe-weather activity in Baltimore (city) 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 Baltimore (city). 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.
105 W 39th St, Baltimore, MD 21210
North Baltimore City
Monthly Cost Breakdown at Broadview Apartments
The listed rent isn't the whole number. Here's what Broadview Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Broadview Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Pet Policy
Bringing a pet? Here's what Broadview Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Broadview Apartments
From the property listing:
Experience the perfect blend of historic charm and modern convenience at The Broadview Apartments in Baltimore. Our community offers spacious studio, 1, 2, and a select few 3-bedroom apartments. Our timeless architectural character pairs seamlessly with updated interiors and comfortable amenities designed for everyday living. With dedicated service and a prime location just steps from shopping, dining, and entertainment, The Broadview places you right where you want to be while providing a warm, inviting place to call home.
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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