Renters Insurance at Owls Nest Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Owls Nest Apartments can push your insurance cost up or down:
Older Building
Built in 1974 — 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: 2999/100K (90% above national average)
What You'll Likely Pay
$15
Est. Monthly
$177
Est. Annual
$13
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 Owls Nest 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 Ohio
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Owls Nest Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $7/mo | $88/yr |
| USAA | $8/mo | $99/yr |
| State Farm | $11/mo | $132/yr |
| Progressive | $12/mo | $143/yr |
| Safeco | $12/mo | $143/yr |
| Travelers | $13/mo | $154/yr |
| Allstate | $14/mo | $165/yr |
| Nationwide | $14/mo | $165/yr |
| Farmers | $15/mo | $176/yr |
| Liberty Mutual | $17/mo | $198/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/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 East Cleveland.
East Cleveland 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. Owls Nest Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, East Cleveland (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
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like Owls Nest Apartments, the question of whether to add earthquake coverage to a renters policy isn't obvious — endorsements run roughly $50–$150 a year, and the probability of a damaging quake is real but low. Flood risk here is minimal and most other weather damage is already covered. Specifics below.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
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.
Earthquake shaking
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
Moderate seismic hazard · ground motion 0.08g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's records put Cuyahoga County squarely in severe-weather territory: roughly 22 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Cuyahoga County. Counts reflect reported events, not damage amounts.
Standard renters insurance is enough for most renters here. The earthquake endorsement is worth pricing if you'd find replacing your possessions out-of-pocket painful.
2020 Taylor Rd, East Cleveland, OH 44112
East Cleveland
Monthly Cost Breakdown at Owls Nest Apartments
The listed rent isn't the whole number. Here's what Owls Nest Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Owls Nest Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
About Owls Nest Apartments
From the property listing:
Owls Nest features affordable senior residences situated in East Cleveland, OH. Here you will experience a well-appointed community near a wide selection of dining, shopping, and neighborhood services minutes away. With a variety of residential layouts to choose from, a number of options are available to fit your living needs. As an Owls Nest resident, enjoy independent living in a home with curated amenities and on-site services designed to complement your lifestyle. Contact us to find out more about our community!
Frequently Asked Questions
Does Owls Nest Apartments require renters insurance?
How much is renters insurance at Owls Nest Apartments?
What will I actually pay per month at Owls Nest Apartments?
How safe is the area around Owls Nest Apartments?
What floor plans does Owls Nest Apartments offer?
Is SafeButler affiliated with Owls Nest Apartments?
What is SafeButler and how does it work for Owls Nest Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at Owls Nest Apartments?
I'll line up top carriers side by side — pre-filled for this building so the proof of insurance is one click away.
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.