531-539 Hinman Ave, Evanston, IL 60202
Evanston
Monthly Cost Breakdown at Cheltenham Court Mansions Apartments
The listed rent isn't the whole number. Here's what Cheltenham Court Mansions Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Cheltenham Court Mansions Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Cheltenham Court Mansions Apartments can push your insurance cost up or down:
Older Building
Built in 1931 — 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: 2404/100K (52% above national average)
What You'll Likely Pay
$17
Est. Monthly
$206
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 Cheltenham Court Mansions Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
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 Cheltenham Court Mansions 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 $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 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. Cheltenham Court Mansions Apartments also has on-site security features (Package service, Property manager on site, Controlled access, Covered parking) 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 Cheltenham Court Mansions 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.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Cheltenham Court Mansions Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Cheltenham Court Mansions Apartments
From the property listing:
VIRTUAL AND IN-PERSON TOURS AVAILABLE The storied "Cheltenham Court Mansions" have seamlessly combined its timeless charm with the sophistication of modern, top-tier finishes. Located on a quiet, tree-lined street, these ENORMOUS apartments feature open-concept layouts with soaring ceilings, elegant crown molding, and real hardwood floors throughout. Oversized windows bathe the home in natural light during the day, and premier lighting selections from Visual Comfort brighten every room in the evening.
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.
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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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