14 W Elm St, Chicago, IL 60610
North Lakefront
Monthly Cost Breakdown at 14 West Elm Apartments
The listed rent isn't the whole number. Here's what 14 West Elm Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at 14 West Elm Apartments
We found a few insurance details on 14 West Elm Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* 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.
What Affects Your Premium Here
Every building is different. These factors specific to 14 West Elm Apartments can push your insurance cost up or down:
Older Building
Built in 1932 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Security System Issues
1 mentions of broken gates, cameras, or locks in 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
$16
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 14 West Elm 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 14 West Elm 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 $16/mo
6 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. 14 West Elm Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Doorman) 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.
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 14 West Elm 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 14 West Elm Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Administrative Fee
Application Fee Per Applicant
Pets Fees
Pet Deposit
Max of 2. Charged per pet.
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 14 West Elm Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About 14 West Elm Apartments
From the property listing:
The search is over. Welcome home to 14 West Elm - THE premier luxury apartment community in Downtown Chicago, Illinois. Located in the Gold Coast of Chicago, 14 West Elm Apartments is conveniently located where sophistication and style meet. 14 West Elm provides you with the unbeatable combination of living and lifestyle. Life here puts you within blocks of the finest dining, shopping, and entertainment that Chicago has to offer. Our studio, one-bedroom and two-bedroom units feature spacious floor plans, ample closet space and genuine hardwood floors.
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
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1036 N. Dearborn Apartments
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11 W. Division Apartments
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1164 N Dearborn Apartments
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1220 N LaSalle Apartments
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1560 N Sandburg Terrace Condo
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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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