Welcome to our Colorado Insurance Guides.

The Colorado Division of Insurance regulates insurance in Colorado.

Colorado law does not require a consumer to purchase homeowners insurance.  However, if your home is financed, the mortgage company will require coverage to protect their interest in the property.   There are various forms of insurance including homeowner, condominium, renters and mobile home.  All of these forms provide property and liability coverage.  The property coverage will insure against perils such as fire, wind and hail.  The liability coverage protects you in the event someone other than the insured is injured on your property.  Your policy contract will explain all of the insured coverages and the exclusions.  The various homeowner policies will not insure you for flood.  If you need to purchase flood insurance contact your company representative.  It is important that you read your policy contract and understand its limitations.  If you have any questions about your homeowner coverage contact your company representative or you may contact the Colorado Division of Insurance at 303-894-7499

Renter's Insurance Colorado policies are designed to indemnify (cover your loss) you in the event of a loss to your personal property and protect you in the event you are responsible for bodily injury or property damage to others.

Also see:  Colorado Guide, Homeowner's Insurance

Suppose you have visitors to your Colorado apartment or your college dorm and someone slips on a wet floor and breaks a bone? Who is responsible for the medical costs? In most circumstances you are, not the landlord.

Renters insurance in general provide "named peril" coverage, meaning the policy states specifically what you are insured against. Some named perils include Fire or Lightning, Smoke, Vandalism or Malicious Mischief, Theft, Accidental Discharge of Water and 10 or more others. 

Always read the contract for specific explanations of coverage and exclusions.

Colorado Renter's Insurance Costs
You might think you don't need Renter's Insurance if you rent in Colorado, but we recommend it.  Add up the cost of your furniture, your electronic equipment, your CD/DVD collection, computer, garments and other personal property. Can you afford to replace everything in the event of a fire or burglary?  
Renter's Insurance in Colorado is relatively inexpensive. The average cost of renter's insurance is approximately $15 a month for around $30,000 worth of property coverage and $100,000 worth of liability coverage. 

Rates vary depending on coverage and your location in Colorado and the amount you want to cover. 

Click below to complete the short insurance quote application for Colorado residents, homeowners or tenants