Renters Insurance at Nottingham Gardens Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Nottingham Gardens Apartments can push your insurance cost up or down:
Older Building
Built in 1961 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Pest Issues
3 mentions in Google reviews
Vehicle Crime
1 mention of car theft, vandalism, or break-ins in 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 Nottingham Gardens 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
Standard minimum for most lease requirements in Maryland. Cats present minimal liability risk vs dogs.
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Nottingham Gardens 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. Nottingham Gardens Apartments also has on-site security features (Controlled access, Property manager on site) 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
Security
A recurring concern in reviews
“It was a big reason I decided not to renew my lease. - Sketchy people around the community that don’t live there.” — Google reviewer
Management
Consistently positive in reviews
“The manager Lisa is very helpful and friendly.” — 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
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 (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.
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.
902 Nottingham Rd, Baltimore, MD 21229
West Baltimore City
Monthly Cost Breakdown at Nottingham Gardens Apartments
The listed rent isn't the whole number. Here's what Nottingham Gardens Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Nottingham Gardens Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Water
Water is $30/person each month Charged per unit.
Heat
is $50/month Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Surface Lot
Parking Available
Pet Policy
Bringing a pet? Here's what Nottingham Gardens Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Nottingham Gardens Apartments
From the property listing:
Join us at Nottingham Gardens Apartments, a beautiful garden style community in a private setting, just minutes from the Hwy 40 and I-70. Our warm and caring management team is sure to make you feel at home. Our spacious studio, 1 and 2 bedroom apartment homes feature open floor plans, modern kitchens and large living rooms. Other features include laundry rooms in each building for your convenience, off street parking as well as plenty of street parking and so much more. The apartment homes at Nottingham Gardens offer the convenience of an apartment with the comfort of a private home.
Frequently Asked Questions
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What will I actually pay per month at Nottingham Gardens Apartments?
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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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