3715 W 123rd Pl, Alsip, IL 60803
Alsip
Monthly Cost Breakdown at Heritage Senior Apartments - 55 and over
The listed rent isn't the whole number. Here's what Heritage Senior Apartments - 55 and over actually costs each month once you add required fees and insurance.
Renters Insurance at Heritage Senior Apartments - 55 and over
What Affects Your Premium Here
Every building is different. These factors specific to Heritage Senior Apartments - 55 and over can push your insurance cost up or down:
Older Building
Built in 1969 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2776/100K (76% above national average)
What You'll Likely Pay
$17
Est. Monthly
$207
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 Heritage Senior Apartments - 55 and over based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Heritage Senior Apartments - 55 and over:
| 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 $17/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 Alsip.
Alsip 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.
Source: FBI UCR Program, Alsip (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.
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Heritage Senior Apartments - 55 and over.
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 Heritage Senior Apartments - 55 and over. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Pets Fees
One-Time Pet Fee
Max of 1. Charged per pet.
Pet Deposit
Max of 1. Charged per pet.
Monthly Pet Fee
Max of 1. Charged per pet.
Amenities
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Heritage Senior Apartments - 55 and over allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Heritage Senior Apartments - 55 and over
From the property listing:
Welcome to Heritage Senior Apartments, a beautiful place for adults 55 years and older to live. Our property features lush landscaping in a quiet, peaceful environment. You will enjoy the spacious apartments and wonderful neighbors. This community is professionally managed with excellent management and maintenance staff. Call our leasing office today for more information on your new home at Heritage Senior Apartments.
Other Options Nearby
Still weighing your choices? Other communities in Alsip — compare rent and estimated insurance cost side by side.
Orchard Estates Apartments
Alsip
Woodland Court Apartments
Alsip
100 W. Chestnut Apartments
North Lakefront
1000 N. LaSalle Apartments
Chicago
1000 South Clark Apartments
Downtown Chicago
1000M Apartments
Downtown Chicago
Frequently Asked Questions
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Does Heritage Senior Apartments - 55 and over allow pets?
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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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