Renters Insurance at Amara Apartments
We found a few insurance details on the Amara Apartments website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Amara Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 5291/100K (235% above national average)
What You'll Likely Pay
$13
Est. Monthly
$150
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 Amara 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 Amara Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $98/yr |
| USAA | $9/mo | $111/yr |
| State Farm | $12/mo | $147/yr |
| Progressive | $13/mo | $160/yr |
| Safeco | $13/mo | $160/yr |
| Travelers | $14/mo | $172/yr |
| Allstate | $15/mo | $184/yr |
| Nationwide | $15/mo | $184/yr |
| Farmers | $16/mo | $197/yr |
| Liberty Mutual | $18/mo | $221/yr |
Discounts You May Qualify For
Next Step
See if you can beat $13/mo
4 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 Portland.
Portland 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.
Source: FBI UCR Program, Portland (2024-12 to 2025-11)
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Amara Apartments.
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.
15 NW Park Ave, Portland, OR 97209
Downtown Portland
Monthly Cost Breakdown at Amara Apartments
The listed rent isn't the whole number. Here's what Amara Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Amara Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Common Area Electric
Covers electric for common areas. Charged per unit.
Common Area Gas
Covers gas for common areas. Charged per unit.
Electric
Monthly electric charges. Charged per unit.
Gas
Monthly gas charges. Charged per unit.
Sewer
Monthly wastewater and sewer charge. Charged per unit.
Water
Monthly community water services charge. Charged per unit.
Trash
Monthly trash services fee. Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Credit Check Fee
Screening and processing fee (per applicant). Charged per un it.
Holding Deposit
Payment to hold unit, applied to security deposit. Charged p er unit.
Security Deposit
Refundable deposit for damages or lease obligations. Charged per unit.
Optional Add-On Fees
Pet Deposit
Refundable pet deposit for approved pet. Charged per unit.
Pet Rent
Monthly pet rent. Charged per unit.
Situational Fees
MTM Flat Fee
Fee for month-to-month tenancy Charged per unit.
Late Fee
Late payment fee. Charged per unit.
NSF Tenant Fee
Returned or declined payment fee. Charged per unit.
Early Termination Fee
Fee to terminate lease early. Charged per unit.
Pet Policy
Bringing a pet? Here's what Amara 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 Amara Apartments
From the property listing:
Offering studio, one- and two-bedroom apartments for rent with a dynamic collection of amenities in Portlands Pearl District, Amara presents a distinct living experience that is deeply connected to the spirit of the city.Amara offers walkable, bike-able and commuter-friendly apartment homes in The Pearl District, placing the entire city within close reach. Blending seamlessly with the neighborhood yet offering a fresh, modern vision, Amara brings The Pearl and Downtown Portland within the realm of possibility through a living experience designed to captivate and inspire.
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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