4622 W 122nd St, Alsip, IL 60803
Alsip
Monthly Cost Breakdown at Orchard Estates Apartments
The listed rent isn't the whole number. Here's what Orchard Estates Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Orchard Estates Apartments
We found a few insurance details on Orchard Estates Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Orchard Estates Apartments can push your insurance cost up or down:
Older Building
Built in 1968 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
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 Orchard Estates 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
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Orchard Estates 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 $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 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. Orchard Estates Apartments also has on-site security features (Controlled access, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, Alsip (2024-12 to 2025-11)
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 Orchard Estates 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 Orchard Estates Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.
About Orchard Estates Apartments
From the property listing:
Welcome home to Orchard Estates, a charming community offering the ideal blend of comfort, convenience, and value. Nestled in the heart of Alsip, our community is just minutes from shopping, dining, schools, and easy access to major highways—making your commute simple and stress-free. Choose from thoughtfully designed 1- and 2-bedroom apartment homes featuring spacious layouts, modern finishes, and plenty of natural light. Our beautifully landscaped grounds create a peaceful setting where you can unwind and feel right at home. At Orchard Estates, you’ll enjoy:
Other Options Nearby
Still weighing your choices? Other communities in Alsip — compare rent and estimated insurance cost side by side.
Heritage Senior Apartments - 55 and over
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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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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