Renters Insurance for
Colorado Homes
Your landlord's policy protects the building, not your belongings. Renters insurance may help protect your personal property, provide liability coverage, and pay additional living expenses after a covered loss.
Independent Agency
Multiple Insurance Companies
Personal Local Service
Insurance Experience Since 2011
Protection Beyond the Building
Your Landlord’s Policy Does Not Cover Everything
A landlord’s insurance generally protects the building itself. It typically does not protect your furniture, electronics, clothing, and other personal belongings.
A renters policy can combine personal property protection with liability coverage and help with temporary living expenses after certain covered losses.
COVERAGE FOR THE PLACE YOU CALL HOME
Your home is one of your biggest investments. We help Colorado homeowners understand their options and find coverage that fits their property, belongings, and budget.
ADDITIONAL LIVING EXPENSES
May help with eligible temporary housing and increased living costs when a covered loss makes your rental uninhabitable.
THEFT PROTECTION
May cover eligible stolen belongings at home or away from your residence, subject to policy terms and limits..
PERSONAL PROPERTY
Helps pay for repairs or rebuilding of your home after a covered loss, subject to your policy limits and deductible.
COVERED HOME LOSS
May protect belongings from covered losses such as fire, smoke, wind, hail, vandalism, and certain water damage.
MEDICAL PAYMENTS
May help pay eligible medical expenses when a guest is accidentally injured at your residence.
PERSONAL LIABILITY
May help if you are legally responsible for another person’s injury or damage to their property.
HOW IT WORKS
Simple Coverage for the Place You Rent
Tell Us About Your Rental
Share your address, household information, belongings, and coverage priorities.
Compare Coverage Options
We compare available renters insurance options from multiple carriers.
Choose Your Protection
Select the limits, deductible, and optional coverage that fit your needs.
More to protect than you may realize
Replacing everyday belongings after a covered loss can become expensive quickly. A simple home inventory can help you choose an appropriate personal property limit.
Why McCloskey Advisor Group?
Independent Advice. Personalized Protection.
Local Guidance
Work with an experienced Colorado insurance agent.
Multiple Carriers
Compare options from several insurance companies.
Clear Explanations
Understand limits, deductibles, requirements, and exclusions.
Personalized Coverage
Choose protection based on your rental, belongings, household, and budget.
Renters Insurance Questions
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Colorado law generally does not require renters insurance, but a landlord may require it as part of the lease agreement.
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Your personal property limit should reflect the estimated cost of replacing your belongings. Liability limits should reflect your household, assets, and potential risks.
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Many renters policies cover eligible theft losses, subject to the deductible, policy limits, special limits, and exclusions.
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Roof coverage varies by insurance company and policy. A roof may be covered at replacement cost, actual cash value after depreciation, or according to a roof payment schedule. We help you understand how your roof will be covered before you purchase a policy.
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Roommates are not automatically covered under every policy. Each roommate may need a separate policy unless specifically listed and eligible for coverage.
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Coverage may be available, but restrictions and exclusions can apply based on the animal, claim history, and insurance company.