Renters Insurance at Abney Lake Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Abney Lake Apartments can push your insurance cost up or down:
Older Building
Built in 1975 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Vehicle Crime
1 mention of car theft, vandalism, or break-ins in reviews
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2322/100K (47% above national average)
What You'll Likely Pay
$15
Est. Monthly
$179
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 Abney Lake 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
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 Abney Lake 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 $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 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. Abney Lake Apartments also has on-site security features (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
At a moderate-hazard address like Abney Lake 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
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.
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.
3451 Sherburne Ln, Indianapolis, IN 46222
Eagledale
Monthly Cost Breakdown at Abney Lake Apartments
The listed rent isn't the whole number. Here's what Abney Lake Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Abney Lake Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility Fee
covers Water, Sewer, Trash and Pest Control. Th e range here is for the one bedroom at $65 and the Three bedroom at $79. Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Parking Fee
Max of 1. Charged per vehicle.
Parking Fee
Max of 1. Charged per vehicle.
Pet Policy
Bringing a pet? Here's what Abney Lake Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Abney Lake Apartments
From the property listing:
Picturesque views, well-groomed lawns, glistening lakes and Colonial-style architecture showcase homes of distinction at Abney Lake. Whether youre looking for a one or two-bedroom apartment or two or three-bedroom townhome, youll appreciate the incredible views, beautiful lakes, pool, and 24-hour access to the fitness center and automated package system.
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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