Renters Insurance at 4031 Spruce St Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 4031 Spruce St Apartments can push your insurance cost up or down:
Older Building
Built in 1900 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
Package Theft
1 mention in Google reviews
Security System Issues
2 mentions of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 4380/100K (178% above national average)
What You'll Likely Pay
$16
Est. Monthly
$193
Est. Annual
$15
With Discounts/mo
$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 (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 4031 Spruce St 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
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 4031 Spruce St 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
See if you can beat $15/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 Philadelphia.
Philadelphia 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. 4031 Spruce St Apartments also has on-site security features (Controlled access, Sprinklers) that insurers recognize with discounts.
Source: FBI UCR Program, Philadelphia (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
Security
A recurring concern in reviews
“Security within the building is also top notch, the only times I had a package stolen (maybe about twice in 3 years) the carrier left it outside the building.” — Google reviewer
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 0.10g
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 Philadelphia 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 Philadelphia 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.
4031 Spruce St, Philadelphia, PA 19104
University City
Monthly Cost Breakdown at 4031 Spruce St Apartments
The listed rent isn't the whole number. Here's what 4031 Spruce St Apartments actually costs each month once you add required fees and insurance.
Pet Policy
Bringing a pet? Here's what 4031 Spruce St 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 4031 Spruce St Apartments
From the property listing:
You dont have to floss all of your teeth, just the ones you want to keep And you dont have to look any further for your new home next to UPenn Dental! You can practically eat, sleep, study, and go to class all from the comfort of your bed! No more outdated and old housing for these soon to be cavity busters! These newly renovated apartments have large lay outs and washer/dryers IN UNIT!
Frequently Asked Questions
Does 4031 Spruce St Apartments require renters insurance?
How much is renters insurance at 4031 Spruce St Apartments?
What will I actually pay per month at 4031 Spruce St Apartments?
Does 4031 Spruce St Apartments allow pets?
How safe is the area around 4031 Spruce St Apartments?
What floor plans does 4031 Spruce St Apartments offer?
Is SafeButler affiliated with 4031 Spruce St Apartments?
What is SafeButler and how does it work for 4031 Spruce St Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at 4031 Spruce St Apartments?
I'll line up top carriers side by side — pre-filled for this building so the proof of insurance is one click away.
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.