1633 E 74th St Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 16, 2026

Thinking about renting at 1633 E 74th St Apartments in South Lakefront? Rent here runs $1,250 – $1,350, and renters insurance adds about $21/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

Get Renters Insurance for 1633 E 74th St Apartments

Compare renters insurance quotes in seconds

1633 E 74th St, Chicago, IL 60649

South Lakefront

Built 1961 3 stories 9 units
Apt. Finder
$1,250 – $1,350 /month

Monthly Cost Breakdown at 1633 E 74th St Apartments

The listed rent isn't the whole number. Here's what 1633 E 74th St Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,271 – $1,371
Base Rent $1,250 – $1,350
Est. Renters Insurance $21/mo

Renters Insurance at 1633 E 74th St Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 1633 E 74th St Apartments can push your insurance cost up or down:

Older Building

Built in 1961 — older plumbing/electrical may increase risk

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

$21

Est. Monthly

$248

Est. Annual

$20

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 1633 E 74th St Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in Illinois

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 1633 E 74th St Apartments:

Carrier Monthly Annual
Lemonade $10/mo $123/yr
USAA $12/mo $139/yr
State Farm $15/mo $185/yr
Progressive $17/mo $201/yr
Safeco $17/mo $201/yr
Travelers $18/mo $216/yr
Allstate $19/mo $231/yr
Nationwide $19/mo $231/yr
Farmers $21/mo $247/yr
Liberty Mutual $23/mo $278/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 $20/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. 1633 E 74th St Apartments also has on-site security features (Controlled access) that insurers recognize with discounts.

Source: FBI UCR Program, Chicago (2024-12 to 2025-11)

On-Site Security

Controlled access

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 1633 E 74th St 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 1633 E 74th St 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.

$50

1 Bedroom Move-in Fee

Contact owner for more information. Charged per unit.

Varies one-time

2 Bedroom Move-in Fee

Contact owner for more information. Charged per unit.

Varies one-time

Amenities

Community Features

Laundry Facilities 24 Hour Access Storage Space

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Storage Space Tub/Shower Kitchen Oven Range Refrigerator Freezer Hardwood Floors Carpet Linen Closet Lawn

Pet Policy

Bringing a pet? Here's what 1633 E 74th St Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

No Pets Allowed

About 1633 E 74th St Apartments

Year Built: 1961
Stories: 3 stories
Units: 9
Phone: (844) 739-0316

From the property listing:

Building amenities include an on-site laundry facility and a rear surface parking lot (first come, first serve), with additional street parking available in front. Heat and water are included in the rent; tenants pay for electricity. A window air conditioning unit is provided for added comfort. Conveniently located near public transportation, local shops, and parks. No pets and no smoking allowed. Serious inquiries only — we look forward to showing you our apartments!

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.

1360-64 E. 52nd St. Apartments

South Lakefront

$1,610 - $2,175 Ins: ~$20/mo

1734 E 72nd St Chicago, IL 60649 Apartments

South Lakefront

$825 - $1,265 Ins: ~$20/mo

2Sisters Apartments

South Lakefront

$1,138 - $2,409 Ins: ~$20/mo

4611 S Ellis Ave Apartments

South Lakefront

$1,600 - $3,800 Ins: ~$17/mo

4700 Lake Park Apartments

South Lakefront

$1,214 - $2,782 Ins: ~$17/mo

4901 S Drexel Blvd Chicago, IL 60615 Apartments

South Lakefront

$1,000 - $2,200 Ins: ~$20/mo

Frequently Asked Questions

Does 1633 E 74th St Apartments require renters insurance?
We didn't find a public insurance requirement for 1633 E 74th St 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 1633 E 74th St Apartments?
For this zip code and building type, expect to pay around $21/month ($248/year). 1633 E 74th St Apartments has security features that qualify for discounts — with those applied, you could pay as little as $20/month. For context, the statewide average is $15/month, so this building is above average.
What will I actually pay per month at 1633 E 74th St Apartments?
Plan for $1,271 to $1,371/month all-in. That's base rent ($1,250 – $1,350), plus roughly $21/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 1633 E 74th St Apartments allow pets?
No, 1633 E 74th St Apartments does not allow pets.
How safe is the area around 1633 E 74th St 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 — features that can qualify for premium discounts.
What floor plans does 1633 E 74th St Apartments offer?
There are 2 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,250 – $1,350. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

Get Renters Insurance for 1633 E 74th St Apartments

See how much you could save on renters insurance

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.

SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.

Your privacy

We use cookies to run this site, measure how it's used, and support our advertising. See our Privacy Policy for details.