180 N Ada St, Chicago, IL 60607
Downtown Chicago
Monthly Cost Breakdown at The Mason Apartments
The listed rent isn't the whole number. Here's what The Mason Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at The Mason Apartments
We found a few insurance details on The Mason 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 The Mason Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Package Theft
1 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
$14
Est. Monthly
$173
Est. Annual
$13
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 The Mason Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
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 The Mason 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 $13/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. The Mason Apartments also has on-site security features (Controlled access, Property manager on site, Doorman, Sprinklers, Covered parking) 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 The Mason 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.
Fees Beyond Rent
These are the additional charges beyond base rent at The Mason Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility Setup Fee
Charged per unit.
Utility - Billing Fee
Charged per unit.
Utility - Electric
Charged per unit.
Utility - Gas
Charged per unit.
Utility - Water/Sewer
Charged per unit.
Utility - Trash
Charged per unit.
Application Fee
Charged per applicant.
Move-in Fee
Charged per unit.
Administrative Fee
Charged per unit.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Parking Fees
Parking
Charged per vehicle.
Electric Vehicle Parking
Charged per vehicle.
Addons Fees
Renter's Insurance
Renter's Insurance is required and may be obtained through a3rd party or for a fee with your lease. Charged per unit.
Situational Fees
Pet Screening Fee
Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what The Mason Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Mason Apartments
From the property listing:
Offering a collection of studio, one-, two-, and three-bedroom residences, The Mason carries forward the spirit of Fulton Market with homes curated for todays way of living. Just as the neighborhoods brickwork has stood the test of time, each apartment balances an enduring style with modern leisure, creating a polished backdrop where daily rhythm feels both effortless and elevated.
Other Options Nearby
Still weighing your choices? These communities are in the same part of Chicago — compare rent and estimated insurance cost side by side.
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Frequently Asked Questions
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What will I actually pay per month at The Mason Apartments?
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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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