Renters Insurance at Violet on Virgil Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Violet on Virgil Apartments can push your insurance cost up or down:
Older Building
Built in 1971 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Water/Leak Issues
3 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2198/100K (39% above national average)
What You'll Likely Pay
$19
Est. Monthly
$224
Est. Annual
$17
With Discounts/mo
$16
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 Violet on Virgil Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
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 Violet on Virgil Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $111/yr |
| USAA | $10/mo | $125/yr |
| State Farm | $14/mo | $167/yr |
| Progressive | $15/mo | $181/yr |
| Safeco | $15/mo | $181/yr |
| Travelers | $16/mo | $195/yr |
| Allstate | $17/mo | $209/yr |
| Nationwide | $17/mo | $209/yr |
| Farmers | $19/mo | $223/yr |
| Liberty Mutual | $21/mo | $251/yr |
Discounts You May Qualify For
Next Step
See if you can beat $17/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 Los Angeles.
Los Angeles 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. Violet on Virgil Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Video patrol, Gated, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Los Angeles (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.
What residents talk about most
Maintenance
Consistently positive in reviews
“When a leak started from my ceiling at night in their building, it completely flooded my bathroom, the water spread into the hallway, damaged my belongings, and I spent the entire…” — Google reviewer
Management
Consistently positive in reviews
“The management is friendly only until problems begin.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Earthquakes are the one natural hazard worth thinking about for renters at this address. USGS rates seismic risk here as high — high enough that a separate earthquake endorsement (typically $50–$150 a year) is worth pricing in. Standard renters insurance covers most other natural-hazard damage by default, but earthquake shaking is a near-universal exclusion.
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
At this hazard level, the question isn't whether a damaging earthquake is possible — it's how to handle the fact that a standard renters policy excludes the damage if one happens. Earthquake endorsements priced for renters typically run $50–$150 annually and cover personal property only (no structural coverage; that's already the landlord's responsibility).
High seismic hazard · ground motion 1.11g
A renters earthquake endorsement covers personal property only and runs roughly $50–$150 a year — structural damage is the landlord's responsibility.
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 Los Angeles 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 Los Angeles County. Counts reflect reported events, not damage amounts.
Most renters here add one targeted endorsement to a standard policy. The cost is modest, the benefit is concentrated on the one thing the base policy doesn't reach.
160 S Virgil Ave, Los Angeles, CA 90004
Koreatown
Monthly Cost Breakdown at Violet on Virgil Apartments
The listed rent isn't the whole number. Here's what Violet on Virgil Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Violet on Virgil 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.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Garage Lot
for single and tandem space.
Pet Policy
Bringing a pet? Here's what Violet on Virgil Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Violet on Virgil Apartments
From the property listing:
Violet on Virgil is a two-building apartment community featuring 302 studios, one and two bedroom Koreatown apartments. Enjoy the best Korean BBQ spots and check out local gems like Lock & Key or explore nearby Sunset Junction and Echo Park Lake. At Violet on Virgil Koreatown CA apartments, you will not only enjoy proximity to these dynamic neighborhoods, but also the perks of living in a community with top-notch amenities. Get your sweat on in our indoor/outdoor fitness area or take a dip in our pool and lounge on our sundeck.
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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