Renters Insurance at Rosewind Apartments
We found a few insurance details on the Rosewind 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 Rosewind Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
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
$166
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 Rosewind 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 Rosewind 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. Rosewind Apartments also has on-site security features (Package service, Property manager on site, Package lockers, Sprinklers) 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 also deserves special recognition.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The seismic picture at Rosewind 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 (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 0.10g
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
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.
18457 E 51st Ave, Denver, CO 80249
East Denver
Monthly Cost Breakdown at Rosewind Apartments
The listed rent isn't the whole number. Here's what Rosewind Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Rosewind Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Monthly Administrative Billing Fee
Monthly billing to resident by third party of rent, mandator y and optional charges such as utilities (if applicable), trash, pet rent, parking, etc. Charged per unit.
Water
Each apt is metered for individual water use Charged per uni t.
Sewer
Each apt is metered for individual sewer use Charged per uni t.
Electricity
Resident pays directly to the electric company Charged per u nit. Payable to 3rd Party
Renter's Liability Insurance
Resident must maintain liability renter's insurance Charged per unit. Payable to 3rd Party
Trash
Based on the # of occupants in the apt Charged per unit.
Application Screening Fee (Non-refundable)
No screening fee is required with qualified PTSR Charged per unit.
Holding Fee (may or may not be refundable)
Applied to total deposit due at move in. Refundable if denie d or if you cancel w/in 24 hrs. Charged per unit.
Deposit (refundable)
$500 – 1 Months Rent based on screening results Charged per unit.
Pets Fees
Pet Deposit (refundable)
Combined Weight of 2 Pets under 200 pounds
Pet Rent
Max of 2. Two pets are permitted per apartment. Pet rent is not charged per pet. Only one monthly pet rent is charged for $35/apartment. Charged per unit.
Parking Fees
Reserved Uncovered Parking
Max of 2. Reserved, uncovered standard lot parking space Cha rged per vehicle.
Tandem (2 space) Tuck Under Garage
Max of 2. Tandem "tuck under" parking, 2 spaces Charged per vehicle.
EV Parking Space
Max of 2. Uncovered EV parking. $0.25/kWh paid to 3rd party Charged per vehicle.
Optional Add-On Fees
Package Service Registration (Parcel Pending)
Registration fee, paid to 3rd party package svc Charged per unit. Payable to 3rd Party
Internet
Residents pays directly to internet provider Charged per uni t. Payable to 3rd Party
Pet Policy
Bringing a pet? Here's what Rosewind Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Rosewind Apartments
From the property listing:
Now Leasing! Room to Grow Roots. Rosewind is much more than an apartment community. Its your home. This is where moments both big and small make memories, like comfortable silence on the sofa or laughter in the pool. And no matter what brought you here, this is the chapter where everything gets easier. Discover 1, 2, and 3-bedroom residences and exceptional amenities, all nestled within the Green Valley Ranch neighborhood, where you can settle into life like never before.
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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