Renters Insurance at Fircrest Apartments 1159-F
Fircrest Apartments 1159-F requires tenants to carry renters insurance. The exact coverage minimums may vary by unit type, so confirm the specifics with the leasing office when you apply.
Most standard renters policies will cover what's listed above. Compare quotes to see which fits your budget.
What Affects Your Premium Here
Every building is different. These factors specific to Fircrest Apartments 1159-F can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 5291/100K (235% above national average)
What You'll Likely Pay
$15
Est. Monthly
$181
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 Fircrest Apartments 1159-F 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 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 Fircrest Apartments 1159-F:
| 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 $15/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)
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.
Natural Hazards & Your Renters Coverage
Earthquakes are the one natural hazard worth thinking about for renters at this address. USGS rates seismic risk here as high — high enough that a separate earthquake endorsement (typically $50–$150 a year) is worth pricing in. Standard renters insurance covers most other natural-hazard damage by default, but earthquake shaking is a near-universal exclusion.
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 (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
USGS classifies the ground here as high seismic hazard — at this rating, building codes assume designers planned for significant ground motion. The structure is the landlord's problem; damage to your possessions during a quake is yours alone, and a standard renters policy excludes it. An earthquake endorsement (typically $50–$150 a year for renters) closes that specific gap.
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
NOAA's severe-weather record for Multnomah 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 Multnomah County. Counts reflect reported events, not damage amounts.
Most renters here add one targeted endorsement to a standard policy. The cost is modest, the benefit is concentrated on the one thing the base policy doesn't reach.
19511 NE Halsey St, Portland, OR 97230
North Gresham
Monthly Cost Breakdown at Fircrest Apartments 1159-F
The listed rent isn't the whole number. Here's what Fircrest Apartments 1159-F actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Fircrest Apartments 1159-F. 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.
Administrative Fee
Charged per unit.
About Fircrest Apartments 1159-F
From the property listing:
You will love the enormous backyard amazing for gatherings and pets. Near Albertsons, Walgreens, Starbucks, Toms pizza. New Gresham 24 hr. fitness a few Blocks over on 181st. Located In Reynolds School District. Call today for more information on Leasing this Gorgeous Home Water, sewer, trash Included in rent! Spacious living room Dining room separate from living room Spacious bedrooms Plenty of cabinets and counter space *Plenty of off-street parking
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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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