1036 N Dearborn St, Chicago, IL 60610
North Lakefront
Monthly Cost Breakdown at 1036 N. Dearborn Apartments
The listed rent isn't the whole number. Here's what 1036 N. Dearborn Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at 1036 N. Dearborn Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 1036 N. Dearborn Apartments can push your insurance cost up or down:
Older Building
Built in 1929 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 3028/100K (92% above national average)
What You'll Likely Pay
$17
Est. Monthly
$206
Est. Annual
$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 1036 N. Dearborn Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
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 1036 N. Dearborn 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
Next Step
See if you can beat $17/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 Chicago.
Chicago 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. 1036 N. Dearborn Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, Chicago (2024-12 to 2025-11)
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 1036 N. Dearborn Apartments.
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.
Fees Beyond Rent
These are the additional charges beyond base rent at 1036 N. Dearborn 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.
Administrative Fee
Charged per unit.
Amenities
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 1036 N. Dearborn Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About 1036 N. Dearborn Apartments
From the property listing:
The Dearborn Street Station was a hub of railroad travel. A gateway to the west coast, it had frequent celebrity sightings, countless Hollywood elite of the 20s, 30s and 40s making their way back to TinselTown. Today, a short trip from the landmark station's restored clock tower and shopping plaza is 1036North Dearborn. This Chicago rental offers a wrought iron atrium-style entranceway that welcomes you. Inside, your downtown apartment offers with, among other wonderful things, new kitchen appliances, hardwood floors, walk-in closets, and individual climate control.
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.
100 W. Chestnut Apartments
North Lakefront
11 W. Division Apartments
North Lakefront
1164 N Dearborn Apartments
North Lakefront
1220 N LaSalle Apartments
North Lakefront
14 West Elm Apartments
North Lakefront
1560 N Sandburg Terrace Condo
North Lakefront
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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