Renters Insurance at Annex at Bridgeton Apartments
We found a few insurance details on the Annex at Bridgeton 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 Annex at Bridgeton 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 Annex at Bridgeton 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
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 Annex at Bridgeton 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. Annex at Bridgeton Apartments also has on-site security features (Package service, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Portland (2024-12 to 2025-11)
What residents talk about most
Management
Consistently positive in reviews
“Ever since the management change and amber left it’s been a horrible living experience I mean the hallways are smelly they can’t access our packages in the concierge properly it’s…” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The USGS National Seismic Hazard Model rates the ground beneath Annex at Bridgeton Apartments as high-hazard for shaking — significant enough that a separate earthquake endorsement is worth pricing alongside a standard renters policy. Flood risk at the address is low, and severe-weather damage of the wind/hail variety would be covered by a baseline policy. The earthquake-specific picture 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 With Reduced Flood Risk Due To Levee) — 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
At this hazard level, the question isn't whether a damaging earthquake is possible — it's how to handle the fact that a standard renters policy excludes the damage if one happens. Earthquake endorsements priced for renters typically run $50–$150 annually and cover personal property only (no structural coverage; that's already the landlord's responsibility).
High seismic hazard · ground motion 0.54g
A renters earthquake endorsement covers personal property only and runs roughly $50–$150 a year — structural damage is the landlord's responsibility.
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 Multnomah 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 Multnomah County. Counts reflect reported events, not damage amounts.
The standard renters policy is the right starting point. The gap above is closable with a single endorsement; pricing it as part of a bundled quote is the usual move.
1245 N Anchor Way, Portland, OR 97217
North Portland
Monthly Cost Breakdown at Annex at Bridgeton Apartments
The listed rent isn't the whole number. Here's what Annex at Bridgeton Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Annex at Bridgeton Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
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
Month to Month Fees
Fee for month-to-month tenancy Charged per unit.
Late Fee
Late payment fee. Charged per unit.
NSF 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 Annex at Bridgeton 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 Annex at Bridgeton Apartments
From the property listing:
Discover an unparalleled living experience at The Annex at Bridgeton. Our studio, one, and two bedroom homes in Portland, Oregon, leave little to be desired. Each apartment is impeccably styled and features a fully-equipped kitchen as the heart of your home. An ideal location on the banks of the Columbia River near Jantzen Beach gives you easy access to nearby dining, shopping, parks, and more! Isnt it time you did a little something for yourself? Upgrade your lifestyle when you make the move to The Annex at Bridgeton.
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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