100 W. Chestnut Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 16, 2026

Thinking about renting at 100 W. Chestnut Apartments in North Lakefront? Rent here runs $2,079 – $3,639, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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100 W Chestnut St, Chicago, IL 60610

North Lakefront

Built 1983 30 stories 280 units
4.8/5 ·53 reviews Google
5/5 ·3 reviews Apt. Finder
$2,079 – $3,639 /month

Monthly Cost Breakdown at 100 W. Chestnut Apartments

The listed rent isn't the whole number. Here's what 100 W. Chestnut Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,095 – $3,655
Base Rent $2,079 – $3,639
Est. Renters Insurance $16/mo

Renters Insurance at 100 W. Chestnut Apartments

We found a few insurance details on 100 W. Chestnut Apartments's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
Listed carriers
Kin Nationwide Sure
See how your options compare. Get a quote

* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.

One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.

In 100 W. Chestnut Apartments's own words:

"Reward: $100 off regular enrollment or current promotion. Residents can show proof of residency to also receive the reward."

What Affects Your Premium Here

Every building is different. These factors specific to 100 W. Chestnut Apartments can push your insurance cost up or down:

Older Building

Built in 1983 — older plumbing/electrical may increase risk

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

FBI UCR

Property crime rate: 3028/100K (92% above national average)

What You'll Likely Pay

$16

Est. Monthly

$189

Est. Annual

$15

With Discounts/mo

$15

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 100 W. Chestnut Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

If you own more

$60,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 100 W. Chestnut Apartments:

Carrier Monthly Annual
Lemonade $9/mo $108/yr
USAA $10/mo $122/yr
State Farm $14/mo $162/yr
Progressive $15/mo $176/yr
Safeco $15/mo $176/yr
Travelers $16/mo $189/yr
Allstate $17/mo $203/yr
Nationwide $17/mo $203/yr
Farmers $18/mo $216/yr
Liberty Mutual $20/mo $243/yr

Discounts You May Qualify For

Controlled access
-3%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $15/mo

5 discounts may apply here. Real quotes show your actual price — estimates can't.

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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 Chicago.

Chicago property crime rate

3,028

per 100K residents

92% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
237 / 200
Larceny / theft
2,111 / 1,172
Vehicle theft
680 / 206

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. 100 W. Chestnut Apartments also has on-site security features (Controlled access, Property manager on site, Doorman, Covered parking) that insurers recognize with discounts.

Source: FBI UCR Program, Chicago (2024-12 to 2025-11)

On-Site Security

Controlled access Property manager on site Doorman Covered parking

Fees Beyond Rent

These are the additional charges beyond base rent at 100 W. Chestnut 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.

$75

Pet Screening Fee

Charged per unit.

$25

Administrative Fee

Charged per unit.

$450

Amenities

Special Features

Air Conditioning In-Unit Breakfast Bar Individually Controlled Heat Onsite Mail Room Walk-In Closet Energy Efficient Appliances Remodeled Bathroom Resident Lounge Stockwell Vending Machine Backsplash Bright Sunny Windows Individually Controlled AC Remodeled Kitchen Hospitality Suite Kitchen Island On-Site Parking

Community Features

Laundry Facilities Maintenance on site Doorman Online Services Elevator Business Center Lounge Storage Space Sundeck Fitness Center Hot Tub Pool Bicycle Storage

Floor Plan Amenities

Air Conditioning Smoke Free Cable Ready Dishwasher Granite Countertops Stainless Steel Appliances Pantry Kitchen Microwave Refrigerator Freezer Quartz Countertops Vinyl Flooring Walk-In Closets

Pet Policy

Bringing a pet? Here's what 100 W. Chestnut Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed

About 100 W. Chestnut Apartments

Year Built: 1983
Stories: 30 stories
Units: 280
Phone: (708) 919-2886

From the property listing:

Located in Chicago's desirable River North Neighborhood, 100 W. Chestnut is a Pet-Friendly High Rise property with an array of on-site lifestyle amenities. Spacious One-Bedroom and Two-Bedroom apartments may feature modern kitchens, stainless steel appliances, in-unit dishwashers, designer plank flooring, walk-in closets, and breathtaking views of the Chicago city skyline.

Other Options Nearby

Still weighing your choices? These communities are in the same part of Chicago — compare rent and estimated insurance cost side by side.

1036 N. Dearborn Apartments

North Lakefront

$1,445 - $1,995 Ins: ~$17/mo

11 W. Division Apartments

North Lakefront

$1,215 - $1,375 Ins: ~$17/mo

1164 N Dearborn Apartments

North Lakefront

$1,425 - $1,595 Ins: ~$17/mo

1220 N LaSalle Apartments

North Lakefront

$2,195 - $2,295 Ins: ~$17/mo

14 West Elm Apartments

North Lakefront

$1,555 - $2,600 Ins: ~$17/mo

1560 N Sandburg Terrace Condo

North Lakefront

$4,800 Ins: ~$16/mo

Frequently Asked Questions

Does 100 W. Chestnut Apartments require renters insurance?
We found specific coverage details on 100 W. Chestnut Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. Even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at 100 W. Chestnut Apartments?
For this zip code and building type, expect to pay around $16/month ($189/year). 100 W. Chestnut Apartments has security features that qualify for discounts — with those applied, you could pay as little as $15/month. For context, the statewide average is $15/month, so this building is right around average.
What will I actually pay per month at 100 W. Chestnut Apartments?
Plan for $2,095 to $3,655/month all-in. That's base rent ($2,079 – $3,639), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 100 W. Chestnut Apartments allow pets?
Yes, 100 W. Chestnut Apartments is pet-friendly. Here are the details: Cats Allowed. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around 100 W. Chestnut Apartments?
Property crime in Chicago runs noticeably higher than the national average — 3,028 incidents per 100,000 residents versus the U.S. average of 1,578. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 237/100K here. On the property itself, you'll find controlled access, property manager on site, doorman, covered parking — features that can qualify for premium discounts.
What floor plans does 100 W. Chestnut Apartments offer?
There are 4 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $2,079 – $3,639. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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