Renters Insurance at Elara at the Market Apartments
We found a few insurance details on the Elara at the Market 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 Elara at the Market Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 4607/100K (192% above national average)
What You'll Likely Pay
$13
Est. Monthly
$162
Est. Annual
$12
With Discounts/mo
$15
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 Elara at the Market 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 Elara at the Market Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $106/yr |
| USAA | $10/mo | $119/yr |
| State Farm | $13/mo | $159/yr |
| Progressive | $14/mo | $172/yr |
| Safeco | $14/mo | $172/yr |
| Travelers | $15/mo | $185/yr |
| Allstate | $17/mo | $198/yr |
| Nationwide | $17/mo | $198/yr |
| Farmers | $18/mo | $211/yr |
| Liberty Mutual | $20/mo | $238/yr |
Discounts You May Qualify For
Next Step
See if you can beat $12/mo
6 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 Seattle.
Seattle 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. Elara at the Market Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Package lockers, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Seattle (2024-12 to 2025-11)
On-Site Security
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 (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 0.77g
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 King 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 King 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.
2134 Western Ave, Seattle, WA 98121
Downtown Seattle
Monthly Cost Breakdown at Elara at the Market Apartments
The listed rent isn't the whole number. Here's what Elara at the Market Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Elara at the Market Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Pest Control Services
Amount for pest control services. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Utility - Gas
Usage-Based (Utilities).Amount for provision and consumption of natural gas. Charged per unit.
Trash Services - Hauling
Amount for shared trash/waste services. 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
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
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
Holding Deposit (Refundable)
Amount to hold rental home off the market at time of applica tion. Amount applied to security deposit and/or amounts owed upon application approval. Refundable per terms of application. 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)
We welcome up to 2 pets per apartment home. There is a refun dable $300 pet deposit and a pet rent of $50. There is no weight limit and breed restrictions apply. Please call our leasing office for complete Pet Policy.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Parking Fees
Parking Fee
Max of 1. Amount for garage parking space/services. May be s ubject to availability. Charged per rentable item.
Parking Fee
Max of 1. Amount for electric vehicle space; reserved or pay -per-use station. May be subject to availability. Charged per rentable item.
Garage Lot
Based on availability and size of parking space
Optional Add-On Fees
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhou se. May be subject to availability. Charged per unit.
Situational Fees
Appliance-Related Charge
Amount related to rental home appliance upgrades, rental, or replacements/parts. Charged per rentable item.
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Lease Violation - Trash
Amount for violation of waste-related community policies. C harged per unit.
Pet/Animal - Lease Violation
Amount for violation of community policies related to pet or assistance animal. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Lease Buy Out
Amount agreed upon by resident to terminate lease early and satisfy lease terms; additional conditions apply. Charged per unit.
Reletting Fee
Marketing fee related to early lease termination; excludes r ent and other charges. Charged per unit.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transfe rred to resident responsibility any time during occupancy. Charged 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 Elara at the Market 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 Elara at the Market Apartments
From the property listing:
Exquisite views. Enviable amenities. Energy efficient. Simply put, Elara at the Market has it all. Our Studio, 1 Bedroom, 2 Bedroom and Penthouse apartment homes offer open floor plans with modern appliances and upscale amenities to simplify your life. Our community is also pursuing LEED Gold certification, which means we’ve integrated energy and water-saving measures to help our environment. But what truly sets us apart are our extravagant amenities, from our Rooftop Deck, to our Wine Bar, Fitness Center, Bike Room, and even our Guest Suite.
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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