Renters Insurance at The Linden Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Linden Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
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
$14
Est. Monthly
$163
Est. Annual
$13
With Discounts/mo
$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 The Linden 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 The Linden 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
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. The Linden Apartments also has on-site security features (Gated, Covered parking) 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
Mixed feedback in reviews
On-Site Security
Natural Hazards & Your Renters Coverage
Of the three big natural hazards a renter might worry about, only earthquake risk stands out at The Linden Apartments. 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 (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 0.55g
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
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.
1250 E Burnside St, Portland, OR 97214
Southeast Portland
Monthly Cost Breakdown at The Linden Apartments
The listed rent isn't the whole number. Here's what The Linden Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Linden Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Utility - Gas
Usage-Based (Utilities).Amount for provision and consumption of natural gas. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
Common Area - Electric
Usage-Based (Utilities).Shared amount for common area electr ic usage. Charged per unit.
Utility - Water
Usage-Based (Utilities).Amount for provision and consumption of water Charged per unit.
Utility - Stormwater/Drainage
Usage-Based (Utilities).Amount for provision of storm water services. Charged per unit.
Utility - Sewer
Usage-Based (Utilities).Amount for provision of sewer servic es. Charged per unit.
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Pets Fees
Pet Deposit (Refundable)
Max of 2. Amount for pet living in rental home. May be asses sed per pet or per rental home, based on lease requirements. Refunds processed per lease terms. Charged per pet.
Pet Rent
Max of 1. Monthly amount for authorized pet. Charged per pet /animal.
Parking Fees
Parking Fee
Max of 1. Amount for garage parking space/services. May be s ubject to availability. Charged per rentable item.
Situational Fees
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Noncompliance Fee - OR
Amount for violation of community policies and/or lease term s in Oregon. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to b e held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Pet Policy
Bringing a pet? Here's what The Linden 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 The Linden Apartments
From the property listing:
Life at play in Portland starts at Linden. Our premier one and two bedroom homes provide the ideal basecamp close to shops, dining, parks, recreation, and more. Discover a comfortable spot to call home that keeps you connected to the PDX life, while providing a quiet urban reprieve in East Portland. The fun starts here.
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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