What does renters insurance cover?

Renters insurance typically covers personal belongings, liability, and additional living expenses if your rental becomes uninhabitable.

Is renters insurance required by law?

While not legally required in Colorado, many landlords require tenants to carry renters insurance as part of the lease agreement.

Standard policies cover events like fires and theft but may exclude floods or earthquakes. Additional coverage can be added for these risks.

What does renters insurance cover?
Renters insurance typically covers personal belongings, liability, and additional living expenses if your rental becomes uninhabitable.
Is renters insurance required by law?
While not legally required in Colorado, many landlords require tenants to carry renters insurance as part of the lease agreement.
Does renters insurance cover natural disasters?
Standard policies cover events like fires and theft but may exclude floods or earthquakes. Additional coverage can be added for these risks.

Are my belongings covered outside of my rental?
Yes, most policies provide off-premises coverage, protecting your belongings wherever you take them.
How much renters insurance do I need?
The amount depends on the value of your belongings and the level of liability protection you want. An inventory of your possessions can help determine adequate coverage.
Can I bundle renters insurance with other policies?
Yes, bundling renters insurance with auto or other policies can save you money and simplify your coverage management.

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