Renters Insurance at 9 On Canal Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 9 On Canal Apartments can push your insurance cost up or down:
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: 2322/100K (47% above national average)
What You'll Likely Pay
$12
Est. Monthly
$148
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 9 On Canal 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
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 9 On Canal Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $7/mo | $89/yr |
| USAA | $8/mo | $100/yr |
| State Farm | $11/mo | $134/yr |
| Progressive | $12/mo | $145/yr |
| Safeco | $12/mo | $145/yr |
| Travelers | $13/mo | $156/yr |
| Allstate | $14/mo | $167/yr |
| Nationwide | $14/mo | $167/yr |
| Farmers | $15/mo | $178/yr |
| Liberty Mutual | $17/mo | $201/yr |
Discounts You May Qualify For
Next Step
See if you can beat $12/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 Indianapolis.
Indianapolis 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. 9 On Canal Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Indianapolis (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
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Moderate seismic hazard · ground motion 0.09g
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
Severe-weather activity in Marion County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for Marion County. Counts reflect reported events, not damage amounts.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
335 W 9th St, Indianapolis, IN 46202
Downtown Indianapolis
Monthly Cost Breakdown at 9 On Canal Apartments
The listed rent isn't the whole number. Here's what 9 On Canal Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at 9 On Canal Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Master Policy Premium Dues
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Application Fee
Charged per applicant.
Administrative Fee
Charged per unit.
Unit Security Deposit
Charged per unit.
Cancel/Termination Fees
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Pet Rent
Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Parking
Charged per vehicle.
Situational Fees
NSF Fee
Charged per unit.
Month-to-Month Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what 9 On Canal 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 9 On Canal Apartments
From the property listing:
Our spacious apartment homes feature gourmet kitchens with high-end finishes, luxurious bathrooms, and expansive closets with custom built-in shelving, providing abundant storage. Step onto your private balcony and take in breathtaking panoramic views of the picturesque canal and the vibrant Downtown Indianapolis skyline. Beyond your exquisite apartment, indulge in our premier amenities. Unwind and soak up the sun at our spectacular rooftop infinity pool, offering an unparalleled urban oasis. Stay active and energized in our state-of-the-art fitness center, equipped for all your workout needs.
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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