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Renters insurance requirements in Colorado

Build a custom insurance policy that meets your state’s requirements and helps protect you from unexpected events.

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Minimum mandatory renters insurance in Colorado

Colorado doesn’t have renters insurance requirements. However, some landlords may ask you to buy coverage as a lease stipulation (Insurance Information Institute).

 

Standard renters insurance coverages for Colorado residents

The following coverages are typically included in a standard renters insurance policy.

 

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Coverage for your things

Personal property coverage (Coverage C) helps replace or repair items such as clothing, jewelry, appliances, furniture and electronics.
Your apartment is broken into while you’re at work. Many of your valuables are stolen, including your new television. This portion of your renters insurance policy can help you replace them.
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Coverage when accidents happen

Personal liability (Coverage E) and medical expense (Coverage F) provide financial protection for property damage, injury to others and may help pay related medical expenses.
You host a game night, and one of your guests slips and breaks their arm. These coverages may help provide you with protection from associated costs resulting from your guest’s injuries up to your policy’s limits.
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Coverage for living expenses

Loss of use coverage (Coverage D) helps pay for expenses, such as hotel stays and food, should your home become unlivable.
You have a kitchen fire and need to move out while repairs are made. This portion of your renters insurance policy helps you pay for a hotel and other associated costs such as food, mileage and utilities up to your policy limits.

Optional add-on renters coverages

Adding optional coverages to your renters insurance may be especially helpful if your home is at risk for events like flash floods, which are not typically covered by standard policies. They add an additional layer of protection from unexpected losses.

 

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Add-ons for more events & parts of your living space

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Add-ons based on how you use your living space

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Add-ons for personal property & identity

Get renters insurance today

Contact your local American Family Insurance agent for a personalized renters insurance quote or get a custom quote online.

 

This article is for informational purposes only and based on information that is widely available. While we believe it to be reliable and accurate, we do not guarantee the accuracy or reliability of the information. Please check your state and local laws.

The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions. We are not responsible for the content of any third-party sites that may be linked in this article.

References

Insurance Information Institute. (n.d.) Can I own a home without homeowners insurance? https://www.iii.org/article/can-i-own-home-without-homeowners-insurance