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Renter’s insurance, also known as tenant’s insurance, is crucial in helping Colorado renters protect what matters most. It’s similar to a homeowner’s policy, but is catered to those who rent instead of own. Renter’s insurance policies help replace and repair belongings and property in the case that a renter experiences some type of unexpected damage. Our educated team at Alliance Insurance of the Rockies will help you choose a renter’s insurance option that’s suitable for your needs and your unique situation. Whether you live in a large apartment complex or rent a unit in a duplex, it’s important to have a renter’s insurance policy in place to be prepared for the future.

A couple in their kitchen surrounded by moving boxes.

Is Your Insurance Protecting You?


In the case of the unexpected occurring, renter’s insurance policies help protect both you and your belongings. There’s a few renter’s insurance options you can choose from, depending on your situation. Maybe you’re interested in having an insurance policy that will cover hotel costs if you’re misplaced from your apartment, or you want to be able to afford to replace your belongings if they’re stolen. No matter what your needs are, Alliance Insurance of the Rockies will help you find a renter’s insurance policy perfect for you!

Personal Property

This option helps individuals replace belongings that are either destroyed or damaged. This type of renter’s insurance policy has the ability to cover anything from a home burglary where valuables are stolen, to a kitchen fire that destroys many of your belongings.

Medical Coverage

We all know that accidents happen, but having a renter’s insurance option in place such as this will help you pay for those accidents. Medical coverage policies cover minor injuries guests endure in your dwelling, if the injured party agrees there’s no fault to be found.

Personal Liability

Liability insurance options are one of the most helpful insurance options available for renters. If you harm and cause bodily injury or property damage to someone else, having liability coverage will help cover the costs, usually up to a six-figure range.

Loss Of Use

Loss of use options will pay for you to stay somewhere else in the event of a covered loss that prevents you from remaining in your home. The main purpose of a loss of use option is to help an individual recover smoothly while retaining their standard of living.


Renter’s insurance isn’t required in Colorado, but keep in mind some landlords may require you to have renter’s insurance in order to become their tenant.

Most renter’s insurance policies cover an array of items, including clothes, appliances, jewelry, furniture, electronics, firearms and books.

If your landlord has an insurance policy in place, it’s still crucial for you to obtain a renter’s insurance policy. Your landlord’s policy covers any damage to their building or property, but it doesn’t protect you or your personal belongings.

It’s important to contact your insurance representative as soon as possible. If you’re in need of permanent repairs, make sure to contact your insurance company before taking any permanent measures. Insurance companies have the right to inspect your property in its state of damage. If you need to make emergency, temporary repairs, such as boarding up windows, you may. If you had property stolen, make sure to contact the police and file a report as well as contact your insurance representative.

Yes, renter’s insurance covers your belongings regardless of their location. There are always limits and exclusions to insurance policies, so it’s important to discuss these with your insurance agent so you fully understand what is and isn’t covered.

While there’s no rule on if roommates need their own policies or not, usually it’s best to all be on the same policy if possible. If something happens to your roommate’s property but they’re not listed on your insurance policy and you’re the only tenant with renter’s insurance, then they’re not covered. If you’d all rather have your own insurance policy, that’s also an option.



Part of being a responsible renter in Colorado is understanding your insurance options. At Alliance Insurance of the Rockies, we have the knowledge necessary to help you choose an insurance policy that suits your unique needs. With over 25 years of experience, we’re prepared to help you sort through your insurance options and help you choose a policy that will protect you, your belongings and your family the best. If you’re interested in learning more about your renter’s insurance options, please fill out the form to the right. We look forward to working with you!