Renters Insurance at Vina Apartments
We found a few insurance details on the Vina 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 Vina 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
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
$11
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 Vina 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
Standard minimum for most lease requirements in Colorado
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Vina 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 $11/mo
7 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. Vina Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Concierge, Gated, Doorman, 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.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Vina Apartments.
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.
2121 E 48th Ave, Denver, CO 80216
Downtown Denver
Monthly Cost Breakdown at Vina Apartments
The listed rent isn't the whole number. Here's what Vina Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Vina Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Electric
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Security Deposit - Refundable
Certified funds 1 bedroom=$300 2bedroom=$400 3bedroom=$500 C harged per unit.
Pets Fees
Dog Deposit
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Rent
Charged per pet.
Optional Add-On Fees
Amenity/Clubhouse Rental
Certified Funds, refundable Charged per occurrence.
High Speed Internet Access
Charged per unit. Payable to 3rd Party
Cable
Charged per unit. Payable to 3rd Party
Pet Policy
Bringing a pet? Here's what Vina Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Vina Apartments
From the property listing:
Discover modern comfort at Vina Apartmentsyour ideal new home in the heart of the evolving Elyria-Swansea neighborhood. Whether youre looking for a cozy studio or a spacious three-bedroom, our affordably priced apartment homes offer something for everyone. As the first phase of an exciting new mixed-use development, Vina Apartments puts you at the center of a vibrant, diverse community on the rise.
Frequently Asked Questions
Does Vina Apartments require renters insurance?
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What will I actually pay per month at Vina Apartments?
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What is SafeButler and how does it work for Vina Apartments renters?
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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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