Renters Insurance at Envoy Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Envoy 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: 2346/100K (49% above national average)
What You'll Likely Pay
$14
Est. Monthly
$170
Est. Annual
$13
With Discounts/mo
$16
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 Envoy 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
Standard minimum for most lease requirements in California. Cats present minimal liability risk vs dogs.
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Envoy Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $111/yr |
| USAA | $10/mo | $125/yr |
| State Farm | $14/mo | $167/yr |
| Progressive | $15/mo | $181/yr |
| Safeco | $15/mo | $181/yr |
| Travelers | $16/mo | $195/yr |
| Allstate | $17/mo | $209/yr |
| Nationwide | $17/mo | $209/yr |
| Farmers | $19/mo | $223/yr |
| Liberty Mutual | $21/mo | $251/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 Sacramento.
Sacramento 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. Envoy Apartments also has on-site security features (Controlled access, Property manager on site, Sprinklers) that insurers recognize with discounts.
Source: FBI UCR Program, Sacramento (2024-12 to 2025-11)
On-Site Security
Natural Hazards & Your Renters Coverage
Earthquakes are the one natural hazard worth thinking about for renters at this address. USGS rates seismic risk here as high — high enough that a separate earthquake endorsement (typically $50–$150 a year) is worth pricing in. Standard renters insurance covers most other natural-hazard damage by default, but earthquake shaking is a near-universal exclusion.
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
At this hazard level, the question isn't whether a damaging earthquake is possible — it's how to handle the fact that a standard renters policy excludes the damage if one happens. Earthquake endorsements priced for renters typically run $50–$150 annually and cover personal property only (no structural coverage; that's already the landlord's responsibility).
High seismic hazard · ground motion 0.37g
A renters earthquake endorsement covers personal property only and runs roughly $50–$150 a year — structural damage is the landlord's responsibility.
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 Sacramento 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 Sacramento County. Counts reflect reported events, not damage amounts.
Most renters here add one targeted endorsement to a standard policy. The cost is modest, the benefit is concentrated on the one thing the base policy doesn't reach.
1010 11th St, Sacramento, CA 95814
Sacramento
Monthly Cost Breakdown at Envoy Apartments
The listed rent isn't the whole number. Here's what Envoy Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Envoy Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Pets Fees
Monthly Pet Fee
Max of 255. Charged per pet.
Parking Fees
Parking Deposit
Charged per vehicle.
Parking Fee
Charged per vehicle.
Covered
Please call us for complete Parking information.
Street Parking
Please call us for complete Parking information.
Pet Policy
Bringing a pet? Here's what Envoy Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Envoy Apartments
From the property listing:
Rising across from Sacramento’s picturesque Cathedral Square is Downtown Sacramento’s newest residential building, Envoy by Anthem Properties. Envoy’s 6 stories of professionally managed, unfurnished studio, one, and two-bedroom apartments in Sacramento, CA, offers residents an expansive private rooftop lounge, a quiet central terrace, and a fitness studio; all anchored with local businesses fronting J Street and 11th Street.
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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