Landlord Insurance in Colorado Springs

Protect your rental property, rental income, and liability with coverage compared from multiple insurance companies.

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EXISTING CLIENT SERVICE

Independent Agency

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Multiple Insurance Companies

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Personal Local Service

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Insurance Experience Since 2011

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Coverage Built for Rental Property Owners

Every rental property is different. We help Colorado landlords compare coverage that protects their property, income, and financial security.

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RENTAL DWELLING

Helps pay to repair or rebuild your rental home after a covered loss, subject to the policy limits and deductible.

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OTHER STRUCTURES

Helps protect landlord-owned structures such as detached garages, sheds, fences, and carports.

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LANDLORD PROPERTY

Helps protect appliances, maintenance equipment, furniture, and other property you provide for your tenants.

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LOSS OF RENTAL INCOME

Helps replace lost rental income when your property becomes uninhabitable because of a covered loss.

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MEDICAL PAYMENTS

May help pay eligible medical expenses when a guest is injured on your rental property, subject to policy terms.

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PREMISES LIABILITY

Helps protect you financially if a tenant or visitor is injured on the property and you are legally responsible.

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More Options.
Personal Guidance.

As an independent insurance agency, McCloskey Advisor Group can compare coverage from multiple insurance companies instead of offering products from only one company. We look beyond the price to help you understand the coverage, limits, deductibles, and options included with each quote.

✓ Quotes from multiple insurance companies

✓ Coverage explained in plain language

✓ Options based on your property and budget

✓ Continued assistance as your rental needs change

COMPARE MY OPTIONS

Additional Protection for Colorado Landlords

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VANDALISM

May help pay for covered vandalism or malicious damage to your rental property.

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WATER BACKUP

Optional coverage may help pay for covered damage caused by backed-up sewers, drains, or sump systems.

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ORDINANCE OR LAW

May help pay the increased cost of rebuilding or repairing your property to comply with current building codes after a covered loss.

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UMBRELLA LIABILITY

Provides an additional layer of liability protection above the limits of qualifying landlord and auto policies.

Landlord Insurance FAQs

Answers to common questions about landlord and rental property insurance in Colorado from McCloskey Advisor Group, your local independent agency in Colorado Springs.

Do I need landlord insurance if I already have homeowners insurance?

A standard homeowners policy is generally designed for an owner-occupied home. If the property is rented to others, a landlord policy may be needed. Always tell the insurance company how the property is occupied.

What does landlord insurance typically cover?

Landlord insurance may include coverage for the rental dwelling, other structures, landlord-owned property, loss of rental income, premises liability, and medical payments. Coverage varies by company and policy. Many landlords also add an umbrella policy for extra liability protection.

Does landlord insurance cover my tenant’s belongings?

No. A landlord policy generally does not cover property owned by the tenant. Tenants should purchase renters insurance to protect their belongings and personal liability.

Does landlord insurance cover lost rental income?

Loss-of-rental-income coverage may replace eligible rental income when the property becomes uninhabitable because of a covered loss. It generally does not cover unpaid rent, eviction, or ordinary vacancy.

Does landlord insurance cover damage caused by tenants?

Some sudden and accidental tenant-caused damage may be covered. Normal wear and tear, poor maintenance, and intentional damage may be limited or excluded. Coverage varies by policy.

What happens if my rental property becomes vacant?

Coverage may be restricted when a property remains vacant beyond the period allowed by the policy. Notify your insurance agent whenever a property becomes vacant or is undergoing major renovations.

Does a standard landlord policy cover short-term rentals?

Not always. Short-term or vacation rentals may require a special endorsement or a different type of policy. The insurance company must know how frequently the property is rented.

Can a rental property owned by an LLC be insured?

Many insurance companies allow properties owned by an LLC, but requirements vary. The property owner and applicable business entity should be correctly listed on the policy.

What information is needed for a landlord insurance quote?

We generally need the property address, year built, roof age, construction details, number of units, occupancy, rental arrangement, prior claims, and information about updates or renovations.

Ready to protect your rental property? Let us compare your options and help you find coverage for your property, rental income, and liability. Request a landlord insurance quote.