415 Howard St, Evanston, IL 60202
Evanston
Monthly Cost Breakdown at 415 PREMIER APARTMENTS
The listed rent isn't the whole number. Here's what 415 PREMIER APARTMENTS actually costs each month once you add required fees and insurance.
Renters Insurance at 415 PREMIER APARTMENTS
We found a few insurance details on 415 PREMIER 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 415 PREMIER APARTMENTS can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
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: 2404/100K (52% above national average)
What You'll Likely Pay
$15
Est. Monthly
$180
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 415 PREMIER 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
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 415 PREMIER 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 $15/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 Evanston.
Evanston 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. 415 PREMIER APARTMENTS also has on-site security features (Package lockers) that insurers recognize with discounts.
Source: FBI UCR Program, Evanston (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 415 PREMIER 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 415 PREMIER 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.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Amenities
Special Features
Community Features
Pet Policy
Bringing a pet? Here's what 415 PREMIER APARTMENTS allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.
About 415 PREMIER APARTMENTS
From the property listing:
The 415 Premier studio, one and two bedroom apartments for rent in Evanston, IL, offer stylish interiors and an amenity package full of attractive social spaces. Located only twelve minutes from downtown Chicago and only two miles from the Northwestern Campus in Evanston, these well-designed layouts are equipped with features that will elevate your lifestyle.
Other Options Nearby
Still weighing your choices? These communities are in the same part of Evanston — compare rent and estimated insurance cost side by side.
550 Sheridan Square Apartments
Evanston
910 Judson Apartments
Evanston
AMLI Evanston Apartments
Evanston
Brummel 623-631 Evanston Apartments
Evanston
Cheltenham Court Mansions Apartments
Evanston
Main Station Apartments
Evanston
Frequently Asked Questions
Does 415 PREMIER APARTMENTS require renters insurance?
How much is renters insurance at 415 PREMIER APARTMENTS?
What will I actually pay per month at 415 PREMIER APARTMENTS?
Does 415 PREMIER APARTMENTS allow pets?
How safe is the area around 415 PREMIER APARTMENTS?
What floor plans does 415 PREMIER APARTMENTS offer?
Get Renters Insurance for 415 PREMIER 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.