Renters Insurance at 6954 Sheridan Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 6954 Sheridan Apartments can push your insurance cost up or down:
Older Building
Built in 1973 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Theft Reports
2 mentions in Google reviews
Water/Leak Issues
4 mentions in Google 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
$18
Est. Monthly
$216
Est. Annual
$17
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 6954 Sheridan 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 6954 Sheridan 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 $17/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. 6954 Sheridan Apartments also has on-site security features (Controlled access, On site maintenance) 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 6954 Sheridan 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.
6954 N Sheridan Rd, Chicago, IL 60626
Rogers Park
Monthly Cost Breakdown at 6954 Sheridan Apartments
The listed rent isn't the whole number. Here's what 6954 Sheridan Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at 6954 Sheridan 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.
Non-Refundable Administrative Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what 6954 Sheridan Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About 6954 Sheridan Apartments
From the property listing:
Welcome to 6954 Sheridan Apartments, located at the intersection of North Sheridan Road and West Morse St. This property is located within the sought-after East Rogers Park neighborhood in close proximity to: Bus routes (151 Sheridan Bus) Mini Marts Grocery Market (Morse Fresh Market) Local Entertainment Loyola Beach Loyola Park Loyola University Chicago (10-minute walking distance) Local eateries Target This property offers ample sized layouts ranging between studio, one-bedroom and two-bedroom units all of which feature: Mini blinds Natural hardwood floors Updated Kitchen & Appliances
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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