Renters Insurance at Watermark Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Watermark 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: 1546/100K (near national average)
What You'll Likely Pay
$12
Est. Monthly
$144
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 Watermark 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 Watermark Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $94/yr |
| USAA | $9/mo | $106/yr |
| State Farm | $12/mo | $142/yr |
| Progressive | $13/mo | $153/yr |
| Safeco | $13/mo | $153/yr |
| Travelers | $14/mo | $165/yr |
| Allstate | $15/mo | $177/yr |
| Nationwide | $15/mo | $177/yr |
| Farmers | $16/mo | $189/yr |
| Liberty Mutual | $18/mo | $213/yr |
Discounts You May Qualify For
Next Step
See if you can beat $12/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 Henderson.
Henderson property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in Henderson track closely with national baselines. Watermark Apartments also has on-site security features (Controlled access, Concierge, Doorman) that insurers recognize with discounts.
Source: FBI UCR Program, Henderson (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
From a renters-insurance angle, Watermark Apartments doesn't have unusual exposure to the natural hazards that a standard policy excludes — flood risk is low and significant earthquakes are rare here. What renters in Clark County are likely to actually claim against, on the other hand, is severe weather: NOAA records around 15 severe weather events a year locally. Wind, hail, and storm damage to your possessions are all covered by a baseline policy.
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 (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.
Severe weather you'd actually claim for
NOAA's records put Clark County squarely in severe-weather territory: roughly 15 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Clark County. Counts reflect reported events, not damage amounts.
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
215-219 S Water St, Henderson, NV 89015
Downtown Henderson
Monthly Cost Breakdown at Watermark Apartments
The listed rent isn't the whole number. Here's what Watermark Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Watermark Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Rent
Charged per unit.
Admin
Charged per unit.
Application Fee
Charged per applicant.
Administrative Fee
Charged per unit.
Security Deposit
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 1. Charged per pet.
Monthly Pet Fee
Max of 1. Charged per pet.
Optional Add-On Fees
NSF
Charged per unit.
Untimely Move Out Notice
Not giving proper move out notice Charged per unit.
Situational Fees
MTM Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what Watermark Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Watermark Apartments
From the property listing:
The Watermark, our premier mid-rise community offers masterfully designed apartments, an impressive suite of high-end amenities, and unmatched resident services that allow you to be your truest self. Work up a sweat in our 24/7 fitness and yoga studios; unwind at the end of your day at our high-rise pool, terrace, and lounge; or take in the city with unobstructed views of the world-famous Las Vegas Strip.
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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