Renters Insurance at Cortland Alameda Station Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Cortland Alameda Station Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Theft Reports
4 mentions in Google reviews
Security System Issues
2 mentions 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
$14
Est. Monthly
$171
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 Cortland Alameda Station 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 Cortland Alameda Station 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 $14/mo
4 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. Cortland Alameda Station Apartments also has on-site security features (Property manager on site, Doorman, Covered parking) 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
Maintenance
Consistently positive in reviews
“What really stands out, though, is the maintenance team.” — Google reviewer
Security
A recurring concern in reviews
“Zero security.” — Google reviewer
Noise
A recurring concern in reviews
“It’s gone down hill severely in Cortlands so called “care” The leasing office agent Christian is accommodating enough, however we had an ongoing noise issue with the tenants…” — Google reviewer
Management
Consistently positive in reviews
“CJ, Matt, and Todd consistently go above and beyond whenever help is needed.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
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
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
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
NOAA's severe-weather record for Denver 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 Denver County. Counts reflect reported events, not damage amounts.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
Fees Beyond Rent
These are the additional charges beyond base rent at Cortland Alameda Station Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Liability Only Protection
Liability Only Protection: $15 due monthly Charged per unit.
Application Fee (per applicant)
Application Fee: $23 due at application Charged per applican t.
Refundable 50% of Security Deposit
Refundable 50% of Security Deposit: $375 deposit due at appl ication Charged per unit.
Administration Fee (per household)
Administration Fee: $225 due at move-in Charged per unit.
Pets Fees
Pet Deposit - At move-in
Pet Deposit: Multiple pricing tiers Charged per unit.
Dog Rent - Monthly
Dog Rent: Multiple pricing tiers Charged per unit.
Cat Rent - Monthly
Cat Rent: Multiple pricing tiers Charged per unit.
Parking Fees
Parking
Parking: $150 due monthly Charged per vehicle.
Optional Add-On Fees
Vehicle
Vehicle: $0 due monthly Charged per unit.
Situational Fees
Late Rent Fee
Late Rent Fee: 5% of rent due at late rent. Charged per unit
Pet Policy
Bringing a pet? Here's what Cortland Alameda Station Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Cortland Alameda Station Apartments
From the property listing:
Our True Price Guarantee: What you see is the rent you pay. No hidden fees. No surprises. Just one simple, all-in price you can trust. Located less than five miles from Downtown Denver and just steps away from the Alameda Light Rail stop, your access to city life has never been easier from our apartments near Alameda. Enjoy the walkability of South Broadway as you check out nearby breweries and restaurants, or escape the hustle and bustle of the city with a stroll through beautiful Johnson-Habitat Park.
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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