Renters Insurance at Line 28 at LoHi Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Line 28 at LoHi Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
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 Line 28 at LoHi 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
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Line 28 at LoHi 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. Line 28 at LoHi Apartments also has on-site security features (Property manager on site, 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
“The maintenance team is really good and the apartment itself is good!” — Google reviewer
Management
Consistently positive in reviews
“Anita was as very friendly and attentive to any questions and needs!” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like Line 28 at LoHi 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
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 0.12g
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
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.
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.
1560 Boulder St, Denver, CO 80211
LoHi
Monthly Cost Breakdown at Line 28 at LoHi Apartments
The listed rent isn't the whole number. Here's what Line 28 at LoHi Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Line 28 at LoHi Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - New Account Fee
Charged per unit.
Utility Administration Fee
$3.50 per unit Charged per unit.
Conservice Billing Fee
($5.00 Conservice Billing fee; $1.00 Conservice Energy Bench marking fee Charged per unit.
Utility - Admin Billing Fee
Resident cost $6 ($5 billing fee + $1 energy benchmarking fe e) Charged per unit.
Utility - Water
Charged per unit. Payable to 3rd Party
Utility - Sewer
Charged per unit. Payable to 3rd Party
Utility - Gas
Charged per unit. Payable to 3rd Party
Utility - Electric
Charged per unit. Payable to 3rd Party
Trash
Charged per unit. Payable to 3rd Party
Renters Insurance
Obtained independently or use recommended insurer Charged pe r unit.
Utility - Trash
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Application Fee
(excludes minors) Charged per applicant.
Reservation/Holding Fee
credited towards security deposit at move-in. Refund based o n compliance with fee acknowledgement Charged per unit.
Holding Fee
Credited towards security deposit at move-in; refund based o n compliance with fee acknowledgement Charged per unit.
New Utility Account Fee
Charged per unit.
Security Deposit - Refundable
$300.00 to $400.00/apartment - Paid toCommunity. Refund base d on compliance with lease agreement Charged per unit.
Initial Security Deposit
Refund based on lease agreement compliance Charged per unit.
Final Account Service Fee
$3.50 per unit Charged per unit.
Additional Security Deposit - Refundable
$300-$400 or varies with credit refundable Charged per unit.
Parking Fees
Parking Fee
Charged per vehicle.
Parking
(1st space $100, Add'l space $150) Charged per vehic le.
Garage Lot
$100 for first space $150 for 2nd space
Optional Add-On Fees
Pet Deposit
2 pet maximum. Refund based on compliance with lease agreeme nt. Charged per unit.
Pet Fee
2 pet maximum Charged per unit.
Parcel Pending Storage
Any packages not picked up after 3 days will incur a $5/day holding fee unless a vacation hold was placed previously Charged per unit.
Cable
(Obtained independently) Charged per unit.
Internet
(Obtained independently) Charged per unit.
Situational Fees
Utility - Final Bill Fee
Charged per unit.
Personal Liability Insurance (If coverage lapses)
Personal Liability insurance may be applied if previously ob tained coverage lapses Charged per unit.
Utility - Recovery Fee
Fee when utility not in resident name Charged per unit.
Non-Sufficient Funds (NSF)
Returned check or rejected electronic payment fee Charged pe r unit.
Payment Processing Fee
Charged per unit.
Late Fee
Applied when rent is past due Charged per unit.
Utility - Recovery
Utility usage billed back if not in resident name Charged pe r unit.
Legal/Eviction Fee
Charged per unit.
Move Out Damage Fee
Damages/cleaning/flooring/keys/etc. found at move-out Charge d per unit.
Payment Alternative Processing Fee
Charged per unit.
Lease Buy Out
Charged per unit.
Additional Security Deposit
Based on application screening results; refund based on comp liance with fee acknowledgement/lease agreement. Charged per unit.
Pet Policy
Bringing a pet? Here's what Line 28 at LoHi Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.
About Line 28 at LoHi Apartments
From the property listing:
Line28 is perfectly positioned in the heart of Denvers sought-after LoHi neighborhood, at the corner of 16th and Boulderjust across the river from LoDo and Downtown. With public transit nearby and bike-friendly streets, youll enjoy effortless access to everything the city has to offer.Spend your afternoons lounging at Commons Park, grab a scoop from the iconic Little Man Ice Cream, or enjoy rooftop drinks and globally inspired bites at neighborhood favorites like Linger and El Five.
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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