Renters Insurance at Cortland on Blake Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Cortland on Blake 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: 4249/100K (169% above national average)
What You'll Likely Pay
$14
Est. Monthly
$171
Est. Annual
$13
With Discounts/mo
$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 on Blake Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
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 Cortland on Blake 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
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 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 on Blake Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, 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
“They’re super friendly and quick to respond whenever something comes up.” — 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
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 0.12g
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.
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 on Blake 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 pet.
Monthly Pet Charge - 1 - Monthly
Monthly Pet Charge - 1: Multiple pricing tiers Charged per p et.
Parking Fees
Lower Level Parking
Lower Level Parking: $100 due monthly Charged per vehicle.
Assigned Parking
Assigned Parking: $75 due monthly Charged per vehicle.
Roof Top Parking
Roof Top Parking: $75 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 on Blake 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 on Blake 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 within the historic Ballpark and Five Points neighborhoods, our RiNo apartment community offers the best of Downtown Denver living at your doorstep. Sleek, industrial features and finishes like high ceilings and exposed concrete will make you proud to call any of our studio, one, two, and three-bedroom apartments in Denver home.
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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