Renters Insurance
Your landlord's policy doesn't cover your belongings. Protect your stuff and your liability for less than the cost of a couple coffees a month.
The best value in insurance
If there was a fire or a break-in at your apartment today, could you afford to replace all your furniture, electronics, and clothing out of pocket? Most renters severely underestimate the value of their possessions.
Renters insurance provides crucial protection for your personal property, along with liability coverage if someone gets injured in your space. Many Colorado landlords now require it—but even if they don't, it's essential protection you shouldn't skip.
What a renters policy covers
Personal Property — Covers the cost to replace your belongings if they are stolen, damaged by fire, smoke, vandalism, or certain water damage.
Personal Liability — Protects you if a guest is injured in your home or if you accidentally cause damage to someone else's property.
Loss of Use — Pays for your additional living expenses (like a hotel) if your rental becomes uninhabitable due to a covered peril.
Off-Premises Coverage — Your belongings are often covered even when they aren't in your apartment—like items stolen from your car or while traveling.
Why get renters insurance in Colorado?
Theft protection — Property crime is a reality. Renters insurance replaces your stolen laptops, bikes, and electronics.
Building requirements — Many Denver metro apartments require proof of liability coverage before you can sign a lease.
Bundle discounts — Bundling renters insurance with your auto policy often yields a discount that makes the renters policy virtually free.
Own high-value items? Standard limits won't cover them
Standard renters policies cap collectibles, jewelry, sports cards, and specialty gear at just $1,000–$2,500 per category. A graded card worth $5,000 is only a $2,500 claim unless it's individually scheduled. A scheduled personal property endorsement insures each item at its documented value.
Learn about scheduled personal property coverage →Frequently asked questions
Get a Renters Quote
Protect your belongings for just dollars a month. Request a quote.
Protect your stuff today
Don't wait until it's too late. Renters insurance is fast, affordable, and essential.