Renters Insurance at Stunning 3-bed/2-bath apartments, close to public transit
What Affects Your Premium Here
Every building is different. These factors specific to Stunning 3-bed/2-bath apartments, close to public transit 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
$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 Stunning 3-bed/2-bath apartments, close to public transit based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
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 Stunning 3-bed/2-bath apartments, close to public transit:
| 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
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.
What residents talk about most
Security
Mixed feedback in reviews
Parking
A recurring concern in reviews
“Pleasant staff, Limited parking availability, think First come, first served.” — Google reviewer
Natural Hazards & Your Renters Coverage
Of the three big natural hazards a renter might worry about, only earthquake risk stands out at Stunning 3-bed/2-bath apartments, close to public transit. USGS classifies the surrounding area as high seismic hazard, which a typical renters policy specifically excludes. Flood risk is minimal here and severe-weather damage is already covered. The section below details what an earthquake endorsement actually buys.
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
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.
Compared to a fully unprotected address, the gap above is well-defined and inexpensive to close. The value of the standard policy doesn't change — the optional add-on does.
120 SE 143rd Ave, Portland, OR 97233
Gateway
Monthly Cost Breakdown at Stunning 3-bed/2-bath apartments, close to public transit
The listed rent isn't the whole number. Here's what Stunning 3-bed/2-bath apartments, close to public transit actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Stunning 3-bed/2-bath apartments, close to public transit. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Water/Sewer/Trash
Charged per unit.
Parking Fees
Surface Lot
Parking Available
About Stunning 3-bed/2-bath apartments, close to public transit
From the property listing:
Discover Your New Home: - Experience the generous space of 1,250 sq. ft. in this beautifully designed apartment featuring an inviting open floor plan. - Enjoy the comfort of 3 bright and airy bedrooms, including a luxurious primary suite with a spacious walk-in closet. - Indulge in 2 modern full bathrooms, perfect for relaxation and convenience. - Cook up a storm in a kitchen that will inspire your culinary adventures. - Convenient laundry with washer and dryer hookups right in your home. Parking Made Easy: - Benefit from off-street parking spots and ample guest parking for your visitors.
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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