Landlord Insurance
Protect your rental properties, your income, and your liability. Specialized coverage for Colorado real estate investors.
Safeguarding your investments
Owning rental property in the Denver metro is a great investment, but it comes with unique risks. From severe hail storms to tenant-caused damage and liability claims, your real estate portfolio needs robust protection.
A standard homeowners policy won't cover a property you rent out. We help landlords find comprehensive DP-3 policies that protect the physical structure, cover premises liability, and ensure the rent keeps flowing even if disaster strikes.
What landlord insurance covers
Property Damage — Covers the building structure against fire, wind, hail, and other covered perils. Essential for Colorado's unpredictable weather.
Premises Liability — Protects you legally and financially if a tenant or their guest is injured on the property and sues you.
Loss of Rental Income — Replaces your lost rental income if the property becomes uninhabitable due to a covered claim and tenants have to move out.
Landlord's Personal Property — Covers items you own and leave on-site for tenant use, such as refrigerators, washers/dryers, or lawn maintenance equipment.
Smart strategies for landlords
Require Renters Insurance — Add a clause to your lease requiring tenants to carry renters insurance. It protects their stuff and reduces your liability.
Umbrella Policies — For landlords with multiple properties, a commercial umbrella policy adds an extra layer of liability protection across your entire portfolio.
Regular Reviews — Construction costs are rising. We'll help you ensure your dwelling coverage limits keep up with current replacement costs.
Frequently asked questions
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Protect your real estate investments
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