Renters Insurance at Momentum at First Creek Apartments
We found a few insurance details on the Momentum at First Creek Apartments website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Momentum at First Creek 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
Water/Leak Issues
5 mentions in Google reviews
Identity Theft Concerns
1 mention in reviews (mail tampering, fraud, personal info)
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 Momentum at First Creek 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 Momentum at First Creek 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
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. Momentum at First Creek Apartments also has on-site security features (Package service) 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.
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 (0.2 Pct Annual Chance 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 0.10g
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.
17700 E 56th Ave, Denver, CO 80249
East Denver
Monthly Cost Breakdown at Momentum at First Creek Apartments
The listed rent isn't the whole number. Here's what Momentum at First Creek Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Momentum at First Creek Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
New Account Fee - Mandatory One-Time Fixed Amount
Charged per unit.
High Speed Internet Access
Charged per unit.
Pest Control
Charged per unit.
Resident Utility Charge
Administrative Billing Fee Charged per unit.
Trash
Curbside pick up at dumpsters Charged per unit.
Amenity Fee
Charged per unit.
Utility - Gas
Charged per unit.
Utility - Electric
Charged per unit. Payable to 3rd Party
Community Fee
Common area electric, gas, water, storm water Charged per un it.
Electric - Mandatory Variable Amount
Variable Costs may Fluctuate Charged per unit.
Storm Water - Mandatory Variable Amount
Variable Costs may Fluctuate Charged per unit.
Utility - Water/Sewer/Stormwater
RUBS allocation based Charged per unit.
Media Package - Mandatory Fixed Amount
Monthly in unit internet service fee Charged per unit.
Renters Insurance - Mandatory Variable Amount
Required liability policy coverage Charged per unit.
Gas - Mandatory Variable Amount
Variable Costs may Fluctuate Charged per unit.
Sewer - Mandatory Variable Amount
Variable Costs may Fluctuate Charged per unit.
Trash - Mandatory Variable Amount
Variable Costs may Fluctuate Charged per unit.
Utility Billing Fee - Mandatory Fixed Amount
Monthly billing fee Charged per unit.
Water - Mandatory Variable Amount
Variable Costs may Fluctuate Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Application Fee - Mandatory One-Time Fixed Amount
Nonrefundable Charged per unit.
Utility Set Up Fee
Charged per unit.
Package Delivery Set-up
Charged per unit.
Lease Administration Fee - Mandatory One-Time Fixed Amount
Nonrefundable Charged per unit.
Security Deposit - Mandatory Variable Amount (Refundable)
$500 with Approved Credit (Refundable) - Variable based on C redit results Charged per unit.
Security Deposit - Refundable
Conditional approval will not exceed $1,000. Base deposit of $500 is due with in 72 hours of pro Al. Increased deposit, if applicable is not due until move in. Charged per unit.
Utility - Final Bill Fee
Charged per unit. Payable to 3rd Party
Pets Fees
Dog Deposit
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Rent
Charged per pet.
Pet Screening
Screening service to review/verify pet information Charged p er pet.
Parking Fees
Garage - Optional Fixed Amount
Monthly private garage rental Charged per vehicle.
Parking - Optional Fixed Amount
Per Car - Monthly cost of parking permits for vehicles Charg ed per vehicle.
Optional Add-On Fees
Package Locker
One-Time Optional Sign-Up Fee Charged per unit.
Pet Screening Renewal
Annual screening service to review/verify pet information Ch arged per unit.
Rent Plus (2+ Residents) - Optional Fixed Amount
Credit reporting Charged per unit.
Pet Rent - Optional Fixed Amount
Covers 2 pets - Monthly pet charges Charged per unit.
Rent Plus (1 Resident) - Optional Fixed Amount
Credit reporting Charged per unit.
Situational Fees
Final Utility Billing Fee - Mandatory
One-Time Fixed Amount Charged per unit.
Refundable Pet Deposit - Optional Variable Amount
Covers 2 pets - Deposit for damages Charged per unit.
Early Termination Fee
Charged per unit.
Access Device - Replacement
Fob or Remote replacement Charged per unit.
Vacant Utility Service Fee
Service fee for utility charges not updated as required to b ill directly to resident and paid by the Propert Charged per unit.
Non-Sufficient Funds (NSF) Tenant Fee
Returned check charge Charged per unit.
Late Fee
5% of Base Monthly Rent - Late payment charge Charged per un it.
Utility - Cost Recovery
Fee for utility charges not updated as required to bill dire ctly to resident and paid by the Propert Charged per unit.
Lease Violation
Charged per unit.
Legal Fees
Cost for eviction or other legal proceedings Charged per uni t.
Insufficient Move-Out Notice Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what Momentum at First Creek 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 Momentum at First Creek Apartments
From the property listing:
Momentum at First Creek, located at 5500 N Telluride Street in Denver, CO, offers convenient access to I-70, E-470, and Denver International Airport. Situated in the growing Green Valley Ranch area, the community is near shopping, dining, and entertainment options. Residents can enjoy nearby parks, trails, and open spaces, as well as easy access to outdoor recreation throughout the Denver metro. The area is served by Denver Public Schools and is close to major employers including Denver International Airport, healthcare providers, and distribution and logistics centers.
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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