Renters Insurance at Art District Flats Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Art District Flats Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 4249/100K (169% above national average)
What You'll Likely Pay
$13
Est. Monthly
$157
Est. Annual
$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 Art District Flats 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 Colorado. Cats present minimal liability risk vs dogs.
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Art District Flats Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $103/yr |
| USAA | $10/mo | $116/yr |
| State Farm | $13/mo | $154/yr |
| Progressive | $14/mo | $167/yr |
| Safeco | $14/mo | $167/yr |
| Travelers | $15/mo | $180/yr |
| Allstate | $16/mo | $193/yr |
| Nationwide | $16/mo | $193/yr |
| Farmers | $17/mo | $206/yr |
| Liberty Mutual | $19/mo | $231/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 Denver.
Denver 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. Art District Flats Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Package lockers, Covered parking, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, Denver (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
“Jacob went above and beyond on Christmas Eve helping adjust my move in plans on the fly with zero issues.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like Art District Flats 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 (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
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 0.11g
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 Denver 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 Denver 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.
1225 Santa Fe Dr, Denver, CO 80204
Downtown Denver
Monthly Cost Breakdown at Art District Flats Apartments
The listed rent isn't the whole number. Here's what Art District Flats Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Art District Flats Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Bulk Internet
Owner Cost $23.64/month - Paid to Community Charged per unit
Conservice Billing Fee
Owner cost $4.50/month Charged per unit.
Utility - Sewer
Charged per unit. Payable to 3rd Party
Utility - Water
Charged per unit. Payable to 3rd Party
Utility - Electric
Charged per unit. Payable to 3rd Party
Utility - Gas
Charged per unit. Payable to 3rd Party
Electricity
Varies based on usage Charged per unit.
Gas
Varies based on usage Charged per unit.
Water
Varies - formula, ratio billing, and usage Charged per unit.
Sewer
Varies - formula, ratio billing, and usage Charged per unit.
Trash
Varies - formula, ratio billing, and usage Charged per unit. Payable to 3rd Party
Application Fee Per Applicant
Charged per applicant.
Application Fee
Charged per applicant.
Holding Deposit
Charged per unit.
Pets Fees
Dog Deposit
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Rent
Charged per pet.
Pet Deposit
If Applicable Charged per pet.
Pet Rent
If Applicable Charged per pet.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Garage Rent
Charged per vehicle.
Optional Add-On Fees
Holding Deposit
Studio Holding Deposit: $300.00 1-Bedroom Holding Deposit: $ 400.00 2-Bedroom Holding Deposit: $500.00 Charged per unit.
High Speed Internet
Owner Cost $23.64/month Charged per unit.
Master Policy Insurance
(if personal renter's insurance policy is not provided or fa lls out of compliance) Charged per unit.
Package Locker Storage Fee
Charged per unit.
Situational Fees
Package Locker Set up Fee
Charged per unit.
Master Policy Insurance
Required if personal renters insurance policy is not provide d or falls out of compliance. Owner Cost $7.00/month. Charged per unit.
Flexible Payment Option
Membership Fee Charged per unit.
NSF Fee
Owner cost $20.00/occurrence Charged per unit.
Payment Processing Fee
FREE when paid through ACH Charged per occurrence. Payable t o 3rd Party
Late Fee
5% of rent balance or $50.00 (whichever is greater) Charged per occurrence.
Legal Fee
Charged per occurrence.
Legal/Eviction Fees
Charged per unit.
Liquidated Damages
Charged per unit.
Payment Alternative Processing Fee
Charged per occurrence. Payable to 3rd Party
Payment Processing Fee
FREE when paid through ACH Charged per unit.
Device Replacement Costs
Garage Remote: Resident Cost $14.00/remote - Paid to Communi ty, Owner Cost up to $4.70/occurrence - Paid to Community Fob: Resident Cost $17.00/fob - Paid to Community, Owner Cost up to $7.82/fob - Paid to Community Charged per occurrence.
Package Locker Costs
$20.00 Set-Up Fee, $3.00/day storage fee - Paid to Provider Charged per occurrence. Payable to 3rd Party
Replacement Devices
Owner Cost: $4.70(Garage), $7.82(Fob) Charged per unit.
Additional Deposit
Additional Deposits (if applicable) shall not cause the tota l Security Deposit to exceed Two (2) Months' Rent Charged per occurrence.
Pet Policy
Bringing a pet? Here's what Art District Flats Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Art District Flats Apartments
From the property listing:
Art District Flats offers luxury apartments situated in a neighborhood thats as charming as it is livable & charismatic. Youll find spacious studios, junior 1 & 2-bedrooms, with open floor plans, modern kitchens and baths, and in-unit washer/dryer. A different local artist is featured on each floor, and convenient amenities include resident lounge, a fitness center, rooftop deck, and climate-controlled storage.The Art District Flats are well-positioned in Denvers Art District on Santa Fe, the famous corridor of galleries, studios, and creative eateries and businesses.
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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