Keep Your Belongings Safe
Renting comes with its own set of issues but protecting your things shouldn't be one of them. With great renters insurance you can rest easier knowing that no matter what happens, you're covered.
We are the Colorado Springs renters insurance agency that matches the best possible coverage policy with your specific insurance needs.
Protect Your Personal Belongings
Keep your personal belongings protected if natural disasters or theft occur.
Coverage Tailored To Your Needs
Your local agents can help determine the amount of coverage you need, then select a limit of liability and additional coverage that works within your budget.
Types of Coverage Available for Renters Insurance
Loss of use
Renters insurance is a great option if you're renting where you live. Our experts can help you decide what type of coverage is right for you.
The amount of coverage needed primarily depends on two factors:
- How much of your personal property do you want to cover?
- Does your property management have minimum requirements? Usually, they want a limit around $100,000. This covers the actual structure in case you are liable for damage to the building
Most renters insurance policies cover the following situations, up to the coverage limits
- Loss of any personal belongings such as furniture, clothing, and electronics stolen in a burglary or fire. Personal property coverage may pay to replace the items (special limits may apply).
- Some renters policies have medical payments coverage which can be used to help with medical care for a visitor yo your residence who may become injured.
- If your apartment gets damaged and you’re forced to live elsewhere while repairs or renovations are being done, Loss Of Use coverage may pay for your lodging.
Typically renters insurance won't cover damage due to flooding.
Flood insurance is the only way to cover your property from floods.
While renters insurance is not required by law in Colorado, some landlords may require it for you to live in their building. It's generally a good idea to have at least some form of coverage as your landlord, usually is not liable for any damage to your personal property.