Renters Insurance in
Colorado Springs
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.
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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
Renting doesn’t mean going without protection. We help Colorado Springs renters understand their options and find affordable coverage for their belongings, liability, 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 replace your furniture, electronics, clothing, and other belongings after a covered loss, subject to policy limits.
COVERED LOSSES
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 FAQs
Answers to common questions about renters insurance from McCloskey Advisor Group, your local independent agency in Colorado Springs.
Is renters insurance required in Colorado?
Colorado law generally does not require renters insurance, but a landlord may require it as part of the lease agreement.
How much renters insurance do I need?
Your personal property limit should reflect the estimated cost of replacing your belongings. Liability limits should reflect your household, assets, and potential risks. For extra liability protection, consider a personal umbrella policy.
Does renters insurance cover theft?
Many renters policies cover eligible theft losses, subject to the deductible, policy limits, special limits, and exclusions.
How much does renters insurance cost in Colorado?
Renters insurance is often one of the more affordable types of insurance. Your price depends on your location, the coverage limits and deductible you choose, your claims history, and the insurance company. Bundling renters insurance with auto insurance may also qualify you for a discount.
Does my renters insurance cover my roommate?
Roommates are not automatically covered under every policy. Each roommate may need a separate policy unless specifically listed and eligible for coverage.
Does renters insurance provide liability coverage for a dog?
Coverage may be available, but restrictions and exclusions can apply based on the animal, claim history, and insurance company.
Does renters insurance cover water damage?
Renters insurance may cover sudden and accidental water damage, such as a burst pipe or an overflowing appliance, subject to your policy terms. Flooding from outside water sources is typically excluded and requires separate flood coverage.
Can I bundle renters and auto insurance?
Often, yes. Many insurance companies offer a multi-policy discount when you combine renters and auto insurance. We can compare bundled and separate options to find the best overall value.
Ready to protect your belongings? We compare renters insurance options from multiple insurance companies. Request a renters insurance quote.