Renters Insurance at Dawson Park Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Dawson Park Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 5291/100K (235% above national average)
What You'll Likely Pay
$14
Est. Monthly
$172
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 Dawson Park 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
Standard minimum for most lease requirements in Oregon
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Dawson Park 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 $14/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 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. Dawson Park Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Video patrol) that insurers recognize with discounts.
Source: FBI UCR Program, Portland (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
“There'd be homeless people peeing, bleeding, pooping, etc on the stairs and under the stairs on the first floor.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The USGS National Seismic Hazard Model rates the ground beneath Dawson Park 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 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
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 0.55g
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.
101 N Morris St, Portland, OR 97227
North Eliot
Monthly Cost Breakdown at Dawson Park Apartments
The listed rent isn't the whole number. Here's what Dawson Park Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Dawson Park Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Security Deposit - Refundable
Charged per unit.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Surface Lot
Can apply for additional parking upon approval based on avai lability.
Pet Policy
Bringing a pet? Here's what Dawson Park Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Dawson Park Apartments
From the property listing:
Welcome to Dawson Park Apartments! Dawson Park Apartments offers comfortable and affordable units in a welcoming community. Whether you're looking for a new place to call home or have questions about our available apartments, we’re here to help! At Dawson Park we offer equal housing opportunities. Feel free to reach out to us with any inquiries about our rentals. Contact us today for more information Location: 101 North Morris Street Portland, OR 97227 Neighborhood: N Portland Leasing Office: 101 North Morris Street, Portland, OR 97227 Managed by Pinehurst Management Waitlists:
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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