Renters Insurance at Alden Park Luxury Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Alden Park Luxury Apartments can push your insurance cost up or down:
Older Building
Built in 1925 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Water/Leak Issues
24 mentions in Google 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
$15
Est. Monthly
$184
Est. Annual
$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 Alden Park Luxury 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 Alden Park Luxury 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
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 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. Alden Park Luxury Apartments also has on-site security features (Gated, Perimeter fencing) 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
Maintenance
A recurring concern in reviews
“I have had a major leak in my apartment and three different contractors have come out, patched up the bathroom ceiling and mold and never fixed the leak.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The seismic picture at Alden Park Luxury Apartments is moderate — damaging earthquakes are uncommon but not unheard of, and standard renters insurance excludes earthquake damage regardless of likelihood. Flood risk is low at this address. The decision worth weighing is whether to add an inexpensive earthquake endorsement or skip it; the rationale for each is 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 0.10g
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.
This is the kind of address where the earthquake endorsement is a personal-preference call, not a clear-cut decision. Renters with valuable possessions usually add it; renters with mostly furniture and a laptop usually skip it.
Fees Beyond Rent
These are the additional charges beyond base rent at Alden Park Luxury Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash
Charged per unit.
LuxerOne Enrollment Fee
Charged per unit.
Outdoor Reserved Parking
Charged per unit.
Amenity Fee
Charged per unit.
Pest Control
Charged per unit.
Electric Reimbursement
Charged per unit.
Water/Sewer
Charged per unit.
Utility Billing Fee
Charged per unit.
Administration Fee
Charged per unit.
Application Fee
Charged per applicant.
Conditional Security Deposit
Charged per unit.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Pet Fee
1st pet non-refundable Charged per pet.
Pet Rent
Charged per pet.
Parking Fees
Surface Lot
$35 general unassigned parking
Optional Add-On Fees
Parking per Vehicle
Charged per unit.
Situational Fees
Forced Placed Insurance
Charged per unit.
Transfer Fee
Charged per unit.
Lost Fob
Charged per unit.
Cambridge Clubroom Rental
Charged per unit.
Lock Replacement Mailbox
Charged per unit.
NSF Tenant Fee
Charged per unit.
Lock Replacement Front Door
Charged per unit.
Late Fee
Charged per unit.
Early Termination Fee
Charged per unit.
MTM Flat Fee
Month to Month Flat Fee Charged per unit.
Lease Violation
Charged per unit.
Legal / Eviction Fees
Charged per unit.
Pet Policy
Bringing a pet? Here's what Alden Park Luxury Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Alden Park Luxury Apartments
From the property listing:
With studio, 1-bedroom, 2-bedroom, 3-bedroom 4-bedroom, and stunning penthouse apartment homes spread amongst three distinct residential buildings and 38 acres, Alden Park is an apartment community next to Wissahickon Valley Park. Newly renovated and pet friendly, these East Falls apartments are a cozy haven enhanced by close proximity to Philadelphia. Alden Park is both the winner of the 2018 Best in American Living Award and the 2018 Grand Jury Award by the Preservation Alliance for Greater Philadelphia.
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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