1164 N Dearborn Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 16, 2026

Thinking about renting at 1164 N Dearborn Apartments in North Lakefront? Rent here runs $1,425 – $1,595, and renters insurance adds about $17/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1164 N Dearborn St, Chicago, IL 60610

North Lakefront

Built 1890 5 stories 64 units
1.7/5 ·7 reviews Google
1 review Apt. Finder
$1,425 – $1,595 /month

Monthly Cost Breakdown at 1164 N Dearborn Apartments

The listed rent isn't the whole number. Here's what 1164 N Dearborn Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,442 – $1,612
Base Rent $1,425 – $1,595
Est. Renters Insurance $17/mo

Renters Insurance at 1164 N Dearborn Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 1164 N Dearborn Apartments can push your insurance cost up or down:

Older Building

Built in 1890 — older plumbing/electrical may increase risk

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Theft Reports

3 mentions in Google reviews

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 1164 N Dearborn 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 1164 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

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 $17/mo

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

Compare Quotes Free · No account required

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. 1164 N Dearborn Apartments also has on-site security features (Package service, Controlled access, Property manager on site) 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.

Theft Common topic
3×
Maintenance Issues Common topic
3×
Water Damage Mentioned
2×
Pest Issues Mentioned
1×
Safety Concerns Mentioned
1×

On-Site Security

Package service Controlled access Property manager on site

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 1164 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 1164 N Dearborn Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Administrative Fee

Charged per unit.

$395

Pets Fees

Pet Fee

Charged per pet.

$500

Pet Fee

Max of 2. Charged per pet.

$295

Amenities

Community Features

Wi-Fi Laundry Facilities Maintenance on site Elevator Vintage Building Waterfront Gas Range

Floor Plan Amenities

High Speed Internet Access Wi-Fi Heating Ceiling Fans Cable Ready Tub/Shower Intercom Dishwasher Granite Countertops Stainless Steel Appliances Kitchen Oven Range Refrigerator Freezer Quartz Countertops Hardwood Floors Tile Floors Vinyl Flooring Walk-In Closets Linen Closet Window Coverings Large Bedrooms

Pet Policy

Bringing a pet? Here's what 1164 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.

Cats Allowed
$295 – $500 Fee
2 Pet Limit

Fees may vary by pet type or count — confirm with the leasing office.

About 1164 N Dearborn Apartments

Year Built: 1890
Stories: 5 stories
Units: 64
Phone: (872) 242-1267

From the property listing:

Great apartments available in the heart of Gold Coast Walking distance to everything - CTA, lakefront, downtown shopping and dining. Close to some great places like Happy Camper, Velvet Taco, Gotham Bagels, Uproar, and so much more! These apartments have hardwood floors throughout, great closet space, and ceiling fans. Laundry Room On-Site, Maintenance On-Site, No Security Deposit, Pet Friendly! In-Person and Virtual Tours Available.

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

$2,079 - $3,639 Ins: ~$16/mo

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

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 1164 N Dearborn Apartments require renters insurance?
We didn't find a public insurance requirement for 1164 N Dearborn 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 1164 N Dearborn Apartments?
For this zip code and building type, expect to pay around $17/month ($206/year). For context, the statewide average is $15/month, so this building is above average.
What will I actually pay per month at 1164 N Dearborn Apartments?
Plan for $1,442 to $1,612/month all-in. That's base rent ($1,425 – $1,595), plus roughly $17/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 1164 N Dearborn Apartments allow pets?
Yes, 1164 N Dearborn Apartments is pet-friendly. Here are the details: Cats Allowed. $295 Fee. 2 Pet Limit. $500 Fee. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around 1164 N Dearborn 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 package service, controlled access, property manager on site — features that can qualify for premium discounts.
What floor plans does 1164 N Dearborn Apartments offer?
There is 1 floor plan available, a studio layout. Rent ranges from $1,425 – $1,595. 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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