Renters Insurance at RESA Apartments
We found a few insurance details on the RESA 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.
In their own words:
"Renter Provided Liability Insurance"
"Renters Liability Insurance - Property Program"
What Affects Your Premium Here
Every building is different. These factors specific to RESA 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
FBI UCR
Property crime rate: 3132/100K (98% above national average)
What You'll Likely Pay
$12
Est. Monthly
$138
Est. Annual
$11
With Discounts/mo
$13
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 RESA Apartments 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
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near RESA Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $90/yr |
| USAA | $8/mo | $102/yr |
| State Farm | $11/mo | $135/yr |
| Progressive | $12/mo | $147/yr |
| Safeco | $12/mo | $147/yr |
| Travelers | $13/mo | $158/yr |
| Allstate | $14/mo | $169/yr |
| Nationwide | $14/mo | $169/yr |
| Farmers | $15/mo | $181/yr |
| Liberty Mutual | $17/mo | $203/yr |
Discounts You May Qualify For
Next Step
See if you can beat $11/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 Washington.
Washington 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. RESA Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Concierge, Video patrol, Gated, Doorman) that insurers recognize with discounts.
Source: FBI UCR Program, Washington (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
Management
Consistently positive in reviews
“Great team great amenities a true community in dc” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like RESA Apartments, the question of whether to add earthquake coverage to a renters policy isn't obvious — endorsements run roughly $50–$150 a year, and the probability of a damaging quake is real but low. Flood risk here is minimal and most other weather damage is already covered. Specifics below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Moderate seismic hazard · ground motion 0.07g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
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
Severe-weather activity in District of Columbia County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for District of Columbia County. Counts reflect reported events, not damage amounts.
Standard renters insurance is enough for most renters here. The earthquake endorsement is worth pricing if you'd find replacing your possessions out-of-pocket painful.
22 M St NE, Washington, DC 20002
H Street/NoMa
Monthly Cost Breakdown at RESA Apartments
The listed rent isn't the whole number. Here's what RESA Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at RESA Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Trash Service
Monthly fee for trash and/or recycling collection and waste disposal. Charged per unit.
Utility - Administrative Billing Fee
Monthly administrative fee for preparing and managing monthl y billing statements. Charged per unit.
Utility - Sewer Service
Monthly fee for sewer utility service. Charged per unit.
Utility - Water Service
Monthly fee for water utility service. Charged per unit.
Utility - HVAC Service
Monthly fee for HVAC utility service. Charged per unit.
Utility - Electric Service
3rd Party.Monthly fee for electric utility service. Charged per unit.
Renter Provided Liability Insurance
Minimum personal liability coverage required by the Property Contact the Leasing Team for details of specific requirements. Charged per unit. Payable to 3rd Party
Application - Fee
A non-refundable fee due at the time of application. Per app licant. Charged per applicant.
Utility - New Account Fee
One-time fee for setting up utility service at move-in. Char ged per unit.
Security Deposit - Standard
Refundable deposit required at move-in. Applications that ar e Conditionally Approved (i.e. income and/or credit-related reasons) may require a larger security deposit and/or last month's rent deposit (each not to exceed a full month's base rent). Charged per unit.
Amenity Fee - First Lease
A one-time or recurring charge for access to amenities. Typi cally charged per apartment but may be per person. Contact the Leasing Team for further clarification. Charged per unit.
Utility - Final Bill Fee
One-time fee for processing the final utility bill at move-o ut. Charged per unit.
Pets Fees
Pet Fee (non-refundable)
$500 Pet Fee (non-refundable) for 1 Pet. $750 Pet Fee for 2 Pets.
Pet Rent
Max of 2. Monthly fee required per approved pet or apartment  Maximum two pets per apartment. Service Animals and ESAs are exempt. Contact the Leasing Team for additional details and weight specifications, if applicable. Charged per pet.
Parking Fees
Parking - Unreserved
Max of 2. Monthly fee per unreserved parking space. Pricing may vary based on size, location, and/or number of spaces rented. All vehicles must be registered with the Management Office. Contact the Leasing Team for availability and limitations. Charged per vehicle.
Optional Add-On Fees
Renters Liability Insurance - Property Program
Minimum personal liability coverage required by the Property if no Third Party policy is provided. Does not include contents coverage. Charged per unit.
Utility - Internet Service (Optional)
3rd Party.Monthly fee for internet service. Charged per unit
Utility - Cable TV Service
3rd Party.Monthly fee for cable TV service. Charged per unit
About RESA Apartments
From the property listing:
At RESA, living centers around the Swedish concept of lagom: creating a life that is ?just right?. A glass of wine with friends, cooking with loved ones, reading by the fire, or lounging on the terrace watching the sunset. Finding delight in practical simplicity is apparent in RESA?s design and amenity spaces, which highlight and appreciate the intersection between beauty and functionality. Interior spaces are simple and uncluttered; they are warm, cozy and welcoming. With the NoMa ? Gallaudet U New York Ave Station minutes away, the daily commute or last minute errand becomes seamless.
Frequently Asked Questions
Does RESA Apartments require renters insurance?
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What will I actually pay per month at RESA Apartments?
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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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