Renters Insurance

Renting a home in Colorado is a great idea. You have plenty of housing options, few maintenance obligations, and the upfront capital needed isn't that much. But, while this option requires fewer responsibilities, you should take time to think of your insurance needs. If you are wondering what this type of insurance covers, Columbine Insurance explains various coverages under renters’ insurance.

Personal Property Coverage

Despite your landlord having insurance, that coverage doesn't extend to your personal property. A renters insurance policy may help to reimburse you if your personal belongings are exposed to risks like fire, explosions, theft, vandalism, and riots. The policy may also cover your property, like a laptop, even when it's not at home.

Personal Liability Coverage

Personal Liability coverage on your renter’s policy may cover you in the event of a claim or lawsuit brought up against you due to property damage or bodily injury up to the limits of your coverage. It may also help in the payment of legal costs because of a lawsuit.

Loss-of-Use coverage

If disaster strikes and your home becomes uninhabitable, loss-of-use coverage could help so you're not left stranded. The policy may reimburse your expenses, such as food and accommodation. This could ensure you have a place to go while waiting for your apartment to be restored.

At Columbine Insurance, we believe renters' coverage is crucial in all dimensions. We know there are many choices to make when evaluating your insurance needs. Let us give you the support and clarity you need to make the right choice and get the right plan.