Renters Insurance at The Shelby Apartments
We found a few insurance details on the The Shelby 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 The Shelby Apartments can push your insurance cost up or down:
Older Building
Built in 1927 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Package Theft
1 mention in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 3132/100K (98% above national average)
What You'll Likely Pay
$14
Est. Monthly
$173
Est. Annual
$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 The Shelby Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Standard minimum for most lease requirements in Washington, DC
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 Shelby 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 $14/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 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. The Shelby Apartments also has on-site security features (Package service, Controlled access) 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
Security
A recurring concern in reviews
“I'm really glad we moved here to a building and area with actual history instead of to one of the countless flavorless hotel-like apartment complexes shooting up all over DC.” — Google reviewer
Management
Consistently positive in reviews
“I would say that even a gesture of cleaning up the water from their pipe that ruined my stuff would be nice, but they are incapable of doing the basic things, so I would not expect…” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The seismic picture at The Shelby Apartments is moderate — damaging earthquakes are uncommon but not unheard of, and standard renters insurance excludes earthquake damage regardless of likelihood. Flood risk is low at this address. The decision worth weighing is whether to add an inexpensive earthquake endorsement or skip it; the rationale for each is 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.
This is the kind of address where the earthquake endorsement is a personal-preference call, not a clear-cut decision. Renters with valuable possessions usually add it; renters with mostly furniture and a laptop usually skip it.
405 10th St NE, Washington, DC 20002
Capitol Hill
Fees Beyond Rent
These are the additional charges beyond base rent at The Shelby Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Pets Fees
Dog Deposit
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Rent
Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle. Payable to 3rd Party
About The Shelby Apartments
From the property listing:
Experience the best of Capitol Hill living at The Shelby. Tucked away on a quiet, tree-lined street, this classic residence places you just moments from Eastern Market, the H Street Corridor, and multiple Metro lines. Enjoy a truly walkable lifestyle with easy access to neighborhood cafes, local dining, green spaces, and the historic character that defines this iconic DC community. Originally built in 1927 and thoughtfully restored, this boutique 45-unit apartment building blends timeless architectural details with modern updates.
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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