Renters Insurance at Mercer at Union Station Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Mercer at Union Station Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
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
$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 Mercer at Union 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
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 Mercer at Union 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 $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. Mercer at Union Station Apartments also has on-site security features (Controlled access) 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
“Mysti, Ryan, Daniel, and the maintenance team all do a great job.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The seismic picture at Mercer at Union Station 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 (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.
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.
2059 19th St, Denver, CO 80202
Downtown Denver
Monthly Cost Breakdown at Mercer at Union Station Apartments
The listed rent isn't the whole number. Here's what Mercer at Union Station Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Mercer at Union Station Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Internet Services
Amount for internet services provided by community. Charged per unit.
Package Services
Amount for package services. Charged per unit. Payable to 3r d Party
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Utility - Electric
Usage-Based (Utilities).Amount for provision and consumption of electricity. Charged per unit.
Utility - Gas
Usage-Based (Utilities).Amount for provision and consumption of natural gas. Charged per unit.
Trash Services - Hauling
Usage-Based (Utilities).Amount for shared trash/waste servic es. Charged per unit. Payable to 3rd Party
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
Utility - Stormwater/Drainage
Usage-Based (Utilities).Amount for provision of storm water services. Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Utility - New Account Fee
Amount to establish utility services. Charged per unit.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Utility - Final Bill Fee
Amount billed to calculate final utility statement. Charged per unit.
Pets Fees
Pet Deposit (Refundable)
Max of 1. Amount for pet living in rental home. May be asses sed per pet or per rental home, based on lease requirements. Refunds processed per lease terms. Charged per unit.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per uni t.
Parking Fees
Parking Fee
Max of 2. Amount for covered parking space/services. May be subject to availability. Charged per rentable item.
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram. Charged per unit.
Short Term Rental
Amount for rental home occupancy for a shorter lease term. M ay be subject to availability. Charged per unit.
Guest Suite Rental
Amount to rent guest suite; per night. May be subject to ava ilability. Charged per night.
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhou se. May be subject to availability. Charged per unit.
Security Deposit Alternative
Amount for alternate program in lieu of paying a traditional security deposit. Charged per unit. Payable to 3rd Party
Situational Fees
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party
Month-to-Month Fee
Amount, in addition to base rent, for a month-to-month lease Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Liquidated Damages
Amount for not satisfying the application and/or lease terms Charged per unit.
Payment Services - Alternative
Amount for using a third party rent payment installment prog ram (i.e. Flex, Jetty Rent). Charged per unit. Payable to 3rd Party
Pet Policy
Bringing a pet? Here's what Mercer at Union Station 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 Mercer at Union Station Apartments
From the property listing:
Check out Mercer at Union Station. The 2059 19th St location in the LoDo neighborhood of Denver is convenient to everything. The professional leasing staff will assist you in finding your perfect home. Contact us today to see available floor plans and find your new place at Mercer at Union Station.
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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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