Renters Insurance at Residences at Market Station Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Residences at Market Station Apartments can push your insurance cost up or down:
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
$13
Est. Monthly
$157
Est. Annual
$12
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 Residences at Market 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
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 Residences at Market 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 $12/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. Residences at Market Station Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Concierge, Doorman, Sprinklers, 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
Management
Consistently positive in reviews
“The concierge staff was always incredible, especially Ramzy, who consistently went above and beyond.” — 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.
1661 Market St, Denver, CO 80202
Downtown Denver
Monthly Cost Breakdown at Residences at Market Station Apartments
The listed rent isn't the whole number. Here's what Residences at Market 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 Residences at Market Station Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility Administration Fee
Amount due for reimbursement of third party monthly administ ration billing fee. Charged per unit.
Liability Insurance
Amount for liability insurance obtained through resident's p rovider of choice. All residents are required to purchase and maintain personal liability insurance in a minimum policy coverage amount of $300,000.00. Charged per unit. Payable to 3rd Party
Gas
Amount due for the consumption of gas services. Charged per unit.
Electric
Amount due for the consumption of electric services. Actual cost based on sub-metering of usage. Charged per unit.
Sewer
Amount due for the consumption of sewer services. Charged pe r unit.
Water
Amount due for the consumption of water services. Charged pe r unit.
Trash
Amount due for shared trash/recycling services determined on a per unit basis by dividing the property's trash/recycling expense by the total number of units at the property. Charged per unit.
Application Deposit
Amount due for the purpose of securing an apartment during t he application process. If approved and a lease is signed within 72 hours of approval, the application deposit will be applied towards the required security deposit or first month's rent. Charged per unit.
Application Fee
Amount due for each applicant 18 years of age and older for verification of information and credit approval. Charged per applicant.
Security Deposit
Taken from the application deposit. Additional deposit may b e required based on credit scoring requirements. In the event the resident chooses the surety bond deposit alternative, the application deposit will be applied to the first month's rent. Charged per unit.
Administrative Fee
Amount due to offset our anticipated costs for administering the lease contract and associated maintenance requests during the lease contract term. Charged per unit.
Pets Fees
Pet Deposit
| Restrictions: We do have breed restrictions, and invite yo u to contact our leasing office to learn more!
Pet Rent
Max of 2. Monthly amount due for authorized pet(s). Maximum of two pets per household. Breed and other restrictions may apply. See Leasing Agent for details. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Parking Fee
Max of 1. Valet parking services may be offered at the commu nity. Users are subject to the pricing offered by the third party provider. Charged per vehicle. Payable to 3rd Party
Garage Lot
Valet
Optional Add-On Fees
Amenity Area Rental
Certain amenity areas may be available for rental for person al functions. Additional agreement required which may require additional deposit and / or cleaning fees. See Leasing Agent for details. Charged per unit.
Pet Policy
Bringing a pet? Here's what Residences at Market 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 Residences at Market Station Apartments
From the property listing:
At Market Station, you dont need to choose between comfort, amenities, and location. Living in the heart of downtown, the best dining, shopping, and entertainment are just minutes from your front door. Choose to lease one of our well-appointed, efficient units at The Flats or an exceptional, luxury unit at Fourteen 45 and you will have the best new address in Denver, at Market Station.
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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