Renters Insurance at 641 W. Aldine Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 641 W. Aldine Apartments can push your insurance cost up or down:
Older Building
Built in 1920 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
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
$197
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 641 W. Aldine 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
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 641 W. Aldine Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $103/yr |
| USAA | $10/mo | $116/yr |
| State Farm | $13/mo | $154/yr |
| Progressive | $14/mo | $167/yr |
| Safeco | $14/mo | $167/yr |
| Travelers | $15/mo | $180/yr |
| Allstate | $16/mo | $193/yr |
| Nationwide | $16/mo | $193/yr |
| Farmers | $17/mo | $206/yr |
| Liberty Mutual | $19/mo | $231/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/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. 641 W. Aldine Apartments also has on-site security features (Gated) 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 641 W. Aldine 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.
641 W Aldine Ave, Chicago, IL 60657
Lakeview
Monthly Cost Breakdown at 641 W. Aldine Apartments
The listed rent isn't the whole number. Here's what 641 W. Aldine Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at 641 W. Aldine Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Pet fee
Per cat monthly, max 2. Charged per unit.
Move-In Fee
Charged per unit.
Processing Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what 641 W. Aldine Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About 641 W. Aldine Apartments
From the property listing:
Separate Eat-in Kitchen, Downtown Views, Vintage Building with Updated Units. 641 Aldine is located two blocks north of Belmont near Broadway in one of Chicagos most interesting, eclectic neighborhoods. Built in 1920, this seven-story elevator building has been renovated to offer comfortable studio apartments with updated kitchens, bathrooms, flooring and fantastic views in an excellent location. All apartments enjoy separate, eat-in kitchens ideal for people with an active lifestyle. With most utilities included, all the resident pays with the rent is electricity, cable/internet.
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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