The Verdict · Montgomery, AL
$1,119–$2,025
real monthly · incl. fees + insurance
4.6★
26 Google reviews
Higher property crime
worth watching
A well-rated community where the real cost runs ~$16 over sticker, and elevated property crime is the risk to plan for.
Looking for renters insurance?
It runs about $16/mo — see what renters insurance in Montgomery, AL typically costs.
Also worth knowing: Does renters insurance cover hurricane damage?
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Midtown Row Apartments.
“So far, I’ve had a positive experience. The leasing and move-in process was very easy and stress-free. They were happy to let me do 2 different tours so I could find the right floor plan and answered all the questions I had. Whitney and Christine have been helpful, responsive, and accommodating, a…”
“An elegant, well-kept community with spacious apartments and beautiful surroundings with quick access to downtown entertainment. Management is attentive and professional, which truly elevates the living experience. A wonderful place to call home.”
“Whitney was amazing , she helped me narrow my list down a great deal. I truly appreciate her! She’s amazing.”
“I moved into Midtown Row in November 2023, and I just renewed my lease for another 11 months. We have a two bedroom, two bath unit …everything is modern, updated and the property is well maintained. Our building and the surrounding area are pretty quiet, despite there being a couple of bars and res…”
“Long overdue, but I just have to take a moment to shout out Midtown Row! I moved to Montgomery earlier this year, and I can honestly say you won’t find a cleaner place than this anywhere! Whitney and Christine are absolute rockstars, and they made the whole process go as smoothly as possible. I can…”
What reviews flag most
Mined from 5 recent reviews · 26 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 maintenance, the review consensus is consistently positive in reviews — one resident wrote: “Also, the maintenance team has also been consistently responsive and courteous.”.
2727 Boultier St, Montgomery, AL 36106
Montgomery
What Midtown Row Apartments Really Costs
The sticker rent isn't the whole number. Here's what Midtown Row Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$16/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Midtown Row Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Reservation/Holding Fee
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Safety & Property Crime
For a renter, property crime is what you actually feel day to day — a car broken into overnight, a package lifted off the step, a bike gone from storage, or how the walk from the lot feels after dark. Here's how Montgomery looks on the theft-related crimes that touch renters most.
These are city-level figures from the FBI's Uniform Crime Reporting program — not block-by-block. Your specific street may run calmer or rougher than the citywide rate.
Montgomery property crime
2,915
per 100K residents
U.S. avg 1,578 / 100K
Breakdown per 100K residents
U.S. average
The practical takeaways here are the unglamorous ones: park in lit areas, use a parcel locker if the community offers one, and don't leave anything visible in the car. Midtown Row Apartments's on-site security (Gated) helps on the margin.
Source · FBI UCR · Montgomery · 2024-12 to 2025-11
On-Site Security
Natural Hazards to Plan For
At a moderate-hazard address like Midtown Row 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.
Source · FEMA NFHL
FEMA Zone X (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
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.
Source · USGS NSHM
Moderate seismic hazard · ground motion 0.07g
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
Severe-weather activity in Montgomery 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 · 5-yr averages for Montgomery 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 Midtown Row Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Midtown Row Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2915/100K (85% above national average)
What You'll Likely Pay
$16
Est. monthly
$198
Est. annual
$18
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 Midtown Row 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
Standard minimum for most lease requirements in Alabama
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Midtown Row Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $123/yr |
| USAA | $12/mo | $138/yr |
| State Farm | $15/mo | $184/yr |
| Progressive | $17/mo | $200/yr |
| Safeco | $17/mo | $200/yr |
| Travelers | $18/mo | $215/yr |
| Allstate | $19/mo | $230/yr |
| Nationwide | $19/mo | $230/yr |
| Farmers | $20/mo | $246/yr |
| Liberty Mutual | $23/mo | $276/yr |
Discounts You May Qualify For
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About Midtown Row Apartments
From the property listing:
Experience exceptional living at Midtown Row where you will find spacious and modern studio, one-, two-, and three-bedroom apartment homes in the charming and easily accessible neighborhood of Old Cloverdale in Montgomery, AL. Our homes are stunning, featuring gourmet kitchens with stainless-steel appliances and granite countertops, 9 ft. ceilings, large master bedrooms, walk-in closets, and luxurious bathrooms with walk-in showers and double vanities in select homes. Relax on your private porch or patio and enjoy the convenience of gated private parking plus ample storage space.
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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