1401 S State St, Chicago, IL 60605
Downtown Chicago
Renters Insurance at 1401 S. State Apartments
We found a few insurance details on 1401 S. State 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 1401 S. State Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 3028/100K (92% above national average)
What You'll Likely Pay
$16
Est. Monthly
$188
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 1401 S. State Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
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 1401 S. State Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $113/yr |
| USAA | $11/mo | $127/yr |
| State Farm | $14/mo | $170/yr |
| Progressive | $15/mo | $184/yr |
| Safeco | $15/mo | $184/yr |
| Travelers | $17/mo | $198/yr |
| Allstate | $18/mo | $212/yr |
| Nationwide | $18/mo | $212/yr |
| Farmers | $19/mo | $226/yr |
| Liberty Mutual | $21/mo | $255/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/mo
5 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. 1401 S. State Apartments also has on-site security features (Controlled access, Concierge, Doorman, Perimeter fencing) 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 1401 S. State 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 1401 S. State Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Billing Administrative Fee
Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice. Charged per leaseholder. Payable to 3rd Party
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Utility - Electric - Third Party
Amount for provision and consumption of electric paid to a third party. Charged per unit.
Utility - Gas
Amount for provision and consumption of natural gas. Chargedper unit.
Utility - Water/Sewer
Amount for provision and/or consumption of water and sewer services Charged per unit.
Application Fees
Charged per applicant.
Utility - Final Bill Fee
Charged per unit.
Utility - New Account Fee
Charged per unit.
Lease Cancellation / Termination
Charged per unit.
Pets Fees
Non-Refundable Pet Fees
Charged per pet.
Pet Rent
Monthly amount for authorized pet. Charged per pet.
Parking Fees
Garage
Charged per vehicle.
Addons Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Program. Charged per unit.
Cable TV and Internet Services
Amount for cable and internet services in rental home. Charged per unit.
Situational Fees
NSF Fees
Charged per unit.
Transfer Fees
Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 1401 S. State Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
Fees may vary by pet type or count — confirm with the leasing office.
About 1401 S. State Apartments
From the property listing:
At 1401 S. State, our apartments strike the perfect balance between stunning and functional. Enjoy spectacular views in every direction and quickly gain an entirely new perspective on the best of Chicago living. Call today for more information!
Other Options Nearby
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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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