Renters Insurance in Colorado Springs

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renters insurance in Colorado Springs

Learn About Renters Insurance Coverage

We would like to help all Colorado Springs residents understand insurance a little bit better. We will go through the different type of renter’s insurance policies from what is covered in Colorado Springs with renter’s insurance, ways to save money and a recommendation who to call for a free quote in Colorado Springs. We hope you learn something about insurance in Colorado Springs.

Renters Insurance in Colorado Springs

If you are renting an apartment or a house in Colorado Springs, it is very important to get renters insurance even though you do not own the home. Several landlords also require tenants to have renter’s insurance before they can move in, so it is always recommended to even have a small plan. Renters insurance helps protect all of your belongings inside your apartment or home. If an accident is to occur all of your belongings will be replaced up to a certain monetary value.

Apartment in Colorado Springs

What Does Renters Insurance Cover?

Renters insurance protects your belongings in case of an incident at home, like a fire or theft. Renters insurance can cover almost everything up to a certain value, here are the most common examples of items that will be covered. If you own the home then you should get homeowners insurance to protect the house.

  • Jewelry – necklaces, rings
  • Electronics - computers, laptops, phones TVs
  • Furniture – couches, chairs, tables
  • Kitchen – ovens, refrigerator
  • Other – bikes, lawnmowers

Lightening Colorado Springs

What type of events are you protected against?

You are protected against most events that could occur including the crazy Colorado Springs weather.

  • Fire
  • Strong Wind
  • Rocky Mountain Snow
  • Large Hail Storms
  • Lightning
  • Freezing Temperatures
  • Robbery
  • Vandalism - Graffiti  

Personal Liability Coverage:

The most basic form of renters insurance protects your belongings but it doesn’t protect people. Personal Liability coverage fills in the gap which protects you if someone is bodily injured on the property. Depending if someone falls or slips and hurts themselves on your property you could be reliable. Getting this type of insurance coverage prevents you from paying medical bills from the other person.

TV & Coffee Table

What to do before you go to get renters insurance?

Create a list of all of your belongings and estimate the cost of them, this will help you realize the total value of your belongings. This is also makes it easier on the insurance agent to help you know how much you would like to protect and then you can go through the prices based on the % of the current belongings you have you would like to save. 

How much does renters insurance cost?

Renters insurance can vary greatly depending on how much protection (the amount of money you would like to receive in case of an accident) you would like to have. You can get renters insurance for a couple of dollars a month for smaller policies to in the hundreds. When you call a local Colorado Springs Agent to get insurance, have an idea of the value of your current belongings. 

Home for rent in the springs

Renters Insurance Discounts

Almost every insurance company offers very similar discounts for insurance.

  • Having more than one thing covered with them Example: having renters and auto covered
  • Having smoke detectors and a fire extinguisher in your home or apartment
  • Having a good credit score
  • Always call your insurance agent annually to get the latest information about deals

Questions You will be asked at a Springs Insurance Agent

  • How much are your belongings worth?
  • How much are you willing to pay to protect it?
  • Where do you live?
  • Does anyone else live with you?

Property Insurance

There is limited protection on certain items like jewelry and cars etc. So if you would like to make sure you get the full amount of money back for a certain item get an extra policy for that item. 

Major Renters Insurance Providers IN Colorado Springs

  • State Farm
  • Geico
  • Farmers
  • Allstate
  • American Family
  • Progressive

I hope that you learned something about renters insurance in Colorado Springs. We recommend the insurance agent below in Colorado Springs. They offer free insurance quotes on renters insurance and if they cant offer you a great rate they tell you where to go. Call or visit them today in Colorado Springs.

A COlorado Springs Insurance Agent

Nick Fransioli State Farm Insurance

Address: 5750 Palmer Park Blvd

Colorado Springs, CO 80915

Phone Number: 719-694-8915

Website: Renters Insurance CO Springs


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