Renters Insurance at Front Street Lofts
What Affects Your Premium Here
Every building is different. These factors specific to Front Street Lofts 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: 4380/100K (178% above national average)
What You'll Likely Pay
$12
Est. Monthly
$147
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 Front Street Lofts 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
Standard minimum for most lease requirements in Pennsylvania. Cats present minimal liability risk vs dogs.
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Front Street Lofts:
| 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 $12/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. Front Street Lofts also has on-site security features (Package service, Gated, Package lockers) that insurers recognize with discounts.
Source: FBI UCR Program, Philadelphia (2024-12 to 2025-11)
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
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
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
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
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
NOAA's severe-weather record for Philadelphia County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
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.
2112-2116 N Front St, Philadelphia, PA 19122
North Philadelphia
Monthly Cost Breakdown at Front Street Lofts
The listed rent isn't the whole number. Here's what Front Street Lofts actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Front Street Lofts. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Pet Policy
Bringing a pet? Here's what Front Street Lofts allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Front Street Lofts
From the property listing:
Front Street Lofts is now leasing in Philadelphias vibrant Norris Square neighborhood. Front Street Lofts features new construction, 1- and 2-bedroom apartments. This unique community offers open floor plans with sleek modern amenities.Our spacious, pet-friendly apartments feature in-unit washer/dryers, kitchens with quartz counter-tops and stainless-steel appliances, large sound-dampening windows, and a selection of luxury vinyl plank flooring. Enjoy on-site amenities including a bike room, secure package room, on-site storage and a rooftop deck offering expansive views of the city.
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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