1000 N. LaSalle Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 16, 2026

Thinking about renting at 1000 N. LaSalle Apartments in Chicago? Rent here runs $1,676 – $3,483, 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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1000-1030 N LaSalle Dr, Chicago, IL 60610

Chicago

Built 1988 9 stories 148 units
4.5/5 ·74 reviews Google
5/5 ·3 reviews Apt. Finder
$1,676 – $3,483 /month

Monthly Cost Breakdown at 1000 N. LaSalle Apartments

The listed rent isn't the whole number. Here's what 1000 N. LaSalle Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,692 – $3,499
Base Rent $1,676 – $3,483
Est. Renters Insurance $16/mo

Renters Insurance at 1000 N. LaSalle Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 1000 N. LaSalle Apartments can push your insurance cost up or down:

Older Building

Built in 1988 — 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 1000 N. LaSalle Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in Illinois. 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 1000 N. LaSalle 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. 1000 N. LaSalle Apartments also has on-site security features (Controlled access, Property manager on site, Doorman, Covered parking, On site maintenance) that insurers recognize with discounts.

Source: FBI UCR Program, Chicago (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.

Maintenance Issues Mentioned

On-Site Security

Controlled access Property manager on site Doorman Covered parking On site maintenance

Fees Beyond Rent

These are the additional charges beyond base rent at 1000 N. LaSalle 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

Administrative Fee

Charged per unit.

$450

Amenities

Special Features

Onsite Walk-In Closet Remodeled Kitchen Energy Efficient Appliances Guest Parking Kingsize Bedrooms Floor-To-Ceiling Windows Remodeled Bathroom Stockwell Vending Machine Air Conditioning In-Unit Breakfast Bar Mail Room Individually Controlled AC Individually Controlled Heat On-Site Parking

Community Features

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

Floor Plan Amenities

Wi-Fi Air Conditioning Smoke Free Dishwasher Stainless Steel Appliances Microwave Quartz Countertops Vinyl Flooring Deck

Pet Policy

Bringing a pet? Here's what 1000 N. LaSalle 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 1000 N. LaSalle Apartments

Year Built: 1988
Stories: 9 stories
Units: 148
Phone: (708) 919-2721

From the property listing:

1000 N. Lasalle is a Pet-Friendly 9-Story Elevator Building in Chicago's Gold Coast neighborhood. The property features a sun deck with sweeping city views, a fitness center, a business center equipped with Wi-Fi and free printing, assigned covered parking availability, and an on-site laundry facility. Additional personal and bicycle storage are also available. This location is incredible: right near Michigan Avenue with easy access to the Loop via public transportation. Zipcar is also conveniently located onsite offering you wheels when you need them.

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.

Frequently Asked Questions

Does 1000 N. LaSalle Apartments require renters insurance?
We didn't find a public insurance requirement for 1000 N. LaSalle Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and 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 1000 N. LaSalle Apartments?
For this zip code and building type, expect to pay around $16/month ($189/year). 1000 N. LaSalle 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 1000 N. LaSalle Apartments?
Plan for $1,692 to $3,499/month all-in. That's base rent ($1,676 – $3,483), 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 1000 N. LaSalle Apartments allow pets?
Yes, 1000 N. LaSalle 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 1000 N. LaSalle 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 1000 N. LaSalle Apartments offer?
There are 3 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,676 – $3,483. 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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