Renters Insurance at Luxury Student Housing at Leavitt Place Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Luxury Student Housing at Leavitt Place Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Security System Issues
2 mentions of broken gates, cameras, or locks in 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
$17
Est. Monthly
$199
Est. Annual
$15
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 Luxury Student Housing at Leavitt Place Apartments 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
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 Luxury Student Housing at Leavitt Place Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $123/yr |
| USAA | $12/mo | $139/yr |
| State Farm | $15/mo | $185/yr |
| Progressive | $17/mo | $201/yr |
| Safeco | $17/mo | $201/yr |
| Travelers | $18/mo | $216/yr |
| Allstate | $19/mo | $231/yr |
| Nationwide | $19/mo | $231/yr |
| Farmers | $21/mo | $247/yr |
| Liberty Mutual | $23/mo | $278/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/mo
6 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. Luxury Student Housing at Leavitt Place Apartments also has on-site security features (Controlled access, Gated, Perimeter fencing) 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 Luxury Student Housing at Leavitt Place 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.
2157 W 21st St, Chicago, IL 60608
Lower West Side
Monthly Cost Breakdown at Luxury Student Housing at Leavitt Place Apartments
The listed rent isn't the whole number. Here's what Luxury Student Housing at Leavitt Place Apartments actually costs each month once you add required fees and insurance.
Pet Policy
Bringing a pet? Here's what Luxury Student Housing at Leavitt Place Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Luxury Student Housing at Leavitt Place Apartments
From the property listing:
Leavitt Place offers comfortable shared living with private bedrooms and thoughtfully designed common spaces, ideal for students, medical residents, travel nurses, and professionals seeking convenient housing close to downtown Chicago. Each resident enjoys the privacy of their own bedroom with secure keypad entry, while the shared areas are fully furnished to create a welcoming and functional living environment. Community Features: • Private bedrooms • Secure keypad entry for each room • Fully furnished shared living spaces • Utilities included • High-speed Wi-Fi included
Frequently Asked Questions
Does Luxury Student Housing at Leavitt Place Apartments require renters insurance?
How much is renters insurance at Luxury Student Housing at Leavitt Place Apartments?
What will I actually pay per month at Luxury Student Housing at Leavitt Place Apartments?
Does Luxury Student Housing at Leavitt Place Apartments allow pets?
How safe is the area around Luxury Student Housing at Leavitt Place Apartments?
What floor plans does Luxury Student Housing at Leavitt Place Apartments offer?
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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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