Renters Insurance at The Everett Apartments
We found a few insurance details on the The Everett 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 The Everett Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
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 The Everett 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 The Everett 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
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. The Everett Apartments also has on-site security features (Package service, Controlled access, Gated, On site maintenance) 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
Security
Mixed feedback in reviews
On-Site Security
Natural Hazards & Your Renters Coverage
The seismic picture at The Everett 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 0.11g
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.
3890 W Colfax Ave, Denver, CO 80204
Sloan Lake
Monthly Cost Breakdown at The Everett Apartments
The listed rent isn't the whole number. Here's what The Everett Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Everett Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility Disconnect
One-time utility transfer fee Charged per unit.
Damage Waiver
Per your lease, you are automatically enrolled in the damage waiver program. To opt out, you must provide Confirm Insurance adequate outside coverage Charged per unit.
Fiber Internet
Monthly Fiber Internet Charged per unit.
RentPlus Credit Builder
Per your lease, you are automatically enrolled in this credi t builder program. To opt out, please contact RentPlus Charged per unit.
Electric - Utility Charge
Monthly Electric Charges Charged per unit.
Gas - Utility Charge
Monthly Gas Charges Charged per unit.
Sewer - Utility Charge
Monthly Sewer Charges Charged per unit.
Trash - Utility Charge
Monthly Trash Charges Charged per unit.
Water - Utility Charge
Monthly Water Charges Charged per unit.
Hold Deposit
- will go towards your final deposit if approve d. Refundable if declined Charged per unit.
Application Fee
per Adult over 18 Charged per applicant.
Administrative Fee
Move-In Administrative Fee Charged per unit.
Security Deposit
Varies by floorplan. Deposit amount is subj ect to credit approval. Charged per unit.
Pets Fees
Dog Deposit
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Rent
Charged per pet.
Pet Deposit
One-time Pet Deposit Charged per pet.
Monthly Pet Fee
- if applicable, per unit Charged per pet.
Optional Add-On Fees
Reserved Parking
Charged per unit.
Situational Fees
Month-to-Month Fee
*Month-to-Month terms are not available for your first term Charged per unit.
Lease Premium
Monthly Lease Premium - if applicable Charged per unit.
Non-Sufficient Funds Fee
A charge applied when a rent payment is returned due to insu fficient funds, cancelled, or declined payments, covering related bank and processing costs Charged per unit.
Transfer Fee
Eligible tenants can transfer within the last 60-days of the ir lease with the payment of the transfer fee prior to move out Charged per unit.
Key Replacement
Cost Charged per unit.
Credit Card Fees
2.95% fee applied if credit card is utilized to pay. ACH pay ments will not have a fee applied Charged per unit.
Late Charge
Late fees are charged on the 9th of the month against any un paid rent balance for the period at the rate of 5% or $50, whichever is greater at the rate of 5% or $50, whichever is greater Charged per unit.
Buy Out Fee
Lease break fees apply if you do not fulfill your lease term Charged per unit.
Legal Fee Reimbursement
Fees are dependent on lawyer cost for eviction fees, filing fees, or court related fees for eviction fees, filing fees, or court related fees Charged per unit.
Pet Policy
Bringing a pet? Here's what The Everett 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 The Everett Apartments
From the property listing:
The Everett offers 33 spacious studio apartments in West Denver, just blocks from Sloans Lake. Our light-filled studios feature sleek modern kitchens, high ceilings, tons of storage and a washer/dryer. But the best part about the Everett might just be its location. Situated on historic Colfax Avenue, Colorados longest street, youre within walking distance to great eateries, stellar watering holes, a Colorado-famous ice cream outpost, a cinema/beer/food paradise, and plenty of other neighborhood amenities sure to put a smile on your face.
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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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