The Verdict · Canal Winchester, OH
$1,274–$2,622
real monthly · incl. fees + insurance
4.1★
178 Google reviews
No major red flags
worth watching
A solidly reviewed community where the real cost runs ~$189 over sticker, and there's no standout hazard to plan around.
Looking for renters insurance?
About $14/mo here — the one thing worth sorting before you sign.
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Schirm Farms Apartments.
“I love my home here at Schirm Farms! I feel safe and secure in my 2nd floor apartment and all my various needs are met by friendly, prompt and capable staff.”
“Very nice apartment complex with excellent staff! This is my first apartment and it meets all my expectations, and then some. I truly recommend to anyone who likes affordability and accommodations. There is so much here you’ll find yourself loving this place more each day!”
“We have enjoyed Schirm farms overall in our two years since moving. The apartments are nice, the maintenance team is friendly and helpful, and the storage space can’t be beat for an apartment of this size/cost. However, some things that need addressed (I hope IRT sees this as constructive criticis…”
“I have enjoyed the quiet atmosphere and the fast response from maintenance and the rental office. Whenever I need anything, it is handled very quickly and I appreciate that. This summer, the office staff were very friendly to my niece and nephews at the pool , even offering pizza and food! They rea…”
“The maintenance at this property is extremely poor. To start, the common area near the front doors is consistently neglected. The dumpster is almost always full, with trash piled up around it. When you submit a service ticket, it often takes days before anyone addresses it. For example, it took ov…”
What reviews flag most
Mined from 5 recent reviews · 178 total on Google. Longer bars mean the topic comes up more often — this is a read on what gets mentioned, not a summary of every review.
On management, the review consensus is consistently positive in reviews — one resident wrote: “Very nice apartment complex with excellent staff!”.
6340 Saddler Way, Canal Winchester, OH 43110
Canal Winchester
What Schirm Farms Apartments Really Costs
The sticker rent isn't the whole number. Here's what Schirm Farms Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$14/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Schirm Farms Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Valet Trash
Charged per unit.
Community Fee
Charged per unit.
Pest Control
Charged per unit.
FLAT Trash
Charged per unit.
Utility Service
Fee: $5.50 Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Move-In Fee
Charged per unit.
Transfer Fee
Charged per unit.
Pets Fees
Pet Deposit
Max of 2. Charged per pet.
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Pet Fee
Max of 2. Charged per pet.
Optional Add-On Fees
Trash
Charged per unit.
NSF Fee
Charged per unit.
Safety
On-Site Security
Natural Hazards to Plan For
At a moderate-hazard address like Schirm Farms 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.
Source · FEMA NFHL
FEMA Zone X (0.2% annual chance — 500-year floodplain) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
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.
Source · USGS NSHM
Moderate seismic hazard · ground motion 0.06g
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.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
NOAA's severe-weather record for Franklin County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source · NOAA Storm Events · 5-yr averages for Franklin County
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.
Renters Insurance at Schirm Farms Apartments
We found a few insurance details on the Schirm Farms Apartments 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 buy your policy, most carriers have a field to add the property as an interested party — skip it and your proof may get rejected. It takes 30 seconds. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Schirm Farms Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Water Intrusion Issues
2 mentions of ceiling leaks, sewage, or pipe issues in reviews
FEMA Flood Zone
Zone X — minimal flood risk
What You'll Likely Pay
$14
Est. monthly
$168
Est. annual
$14
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 (furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you damage someone else's property. Here's what we'd recommend for Schirm Farms Apartments based on the rent level and building.
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 Schirm Farms Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $96/yr |
| USAA | $9/mo | $108/yr |
| State Farm | $12/mo | $144/yr |
| Progressive | $13/mo | $156/yr |
| Safeco | $13/mo | $156/yr |
| Travelers | $14/mo | $168/yr |
| Allstate | $15/mo | $180/yr |
| Nationwide | $15/mo | $180/yr |
| Farmers | $16/mo | $192/yr |
| Liberty Mutual | $18/mo | $216/yr |
Discounts You May Qualify For
Next step
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Pet Policy
Bringing a pet? Here's what Schirm Farms Apartments allows, along with the deposits and monthly pet rent to budget for.
About Schirm Farms Apartments
From the property listing:
Schirm Farms offers renovated 1- and 2-bedroom apartments and townhomes in the Canal Winchester area of Southeast Columbus, within the Columbus City Schools district. This pet-friendly community allows up to two pets per home and features a dog park. Community amenities include a swimming pool, fitness center, volleyball court, and professional on-site management with emergency maintenance service. Detached garage parking with direct entry is available in select homes.
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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