Renters Insurance at 1001 Russell Blvd Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 1001 Russell Blvd 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
FEMA Flood Zone
Zone X — minimal flood risk
What You'll Likely Pay
$13
Est. Monthly
$152
Est. Annual
$12
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 1001 Russell Blvd 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 Missouri
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 1001 Russell Blvd Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $94/yr |
| USAA | $9/mo | $106/yr |
| State Farm | $12/mo | $141/yr |
| Progressive | $13/mo | $153/yr |
| Safeco | $13/mo | $153/yr |
| Travelers | $14/mo | $165/yr |
| Allstate | $15/mo | $177/yr |
| Nationwide | $15/mo | $177/yr |
| Farmers | $16/mo | $189/yr |
| Liberty Mutual | $18/mo | $212/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.
Safety
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
Maintenance
Consistently positive in reviews
“The maintenance team is always quick to fix any problems that arise and Aurdie is fantastic!” — Google reviewer
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 1001 Russell Blvd 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 (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 0.26g
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 St. Louis (city) 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 St. Louis (city). 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.
1001 Russell Blvd, Saint Louis, MO 63104
Soulard
Monthly Cost Breakdown at 1001 Russell Blvd Apartments
The listed rent isn't the whole number. Here's what 1001 Russell Blvd Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at 1001 Russell Blvd Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
All adults over the age of 18 must submit an application. Ch arged per applicant.
Parking Fees
Surface Lot
Gated Parking
Pet Policy
Bringing a pet? Here's what 1001 Russell Blvd Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About 1001 Russell Blvd Apartments
From the property listing:
High-end apartments that include quality finishes with modern open floor plans. Located in the heart of historic Soulard, 1001 Russell provides a new level of residential comfort in St. Louis’s classic neighborhood. Custom kitchen with stainless steel appliances and stylish counter-tops, ample cabinets in kitchen and bathroom give plenty of storage. Each unit comes with washer/dryer, large living rooms, over-sized bedrooms and walk-in closets. Some floor plans feature private decks, while others have beautiful French windows overlooking Russell.
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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