Coverage for the place you call home
Whether you rent a house or an apartment, your belongings and liability need their own review. Cassondra writes renters insurance from our Arvada office and helps you compare carriers, deductibles and coverage for your household—not just the amount a lease requires.
Start with an inventory of furniture, electronics, clothing and the gear you use every day. Then review personal liability and the extra living expenses you might face if a covered loss makes your rental unlivable.
What a renters policy generally covers
Personal Property — Can cover belongings damaged by covered events such as fire, smoke, theft or certain water damage. Ask whether settlement uses replacement cost or depreciated actual cash value, and review the deductible.
Personal Liability — Can help with covered injuries or property damage you cause to others for which you are legally responsible, subject to the policy's limits and exclusions.
Loss of Use / Additional Living Expenses — Can help with increased living costs, such as temporary lodging, if a covered loss makes your rental unlivable. Dollar and time limits apply.
Off-Premises Coverage — Your belongings are often covered even when they aren't in your apartment—like items stolen from your car or while traveling.
Renting along the Front Range
Hail, wind, apartment fires and theft are practical reasons to review coverage before a loss. Covered damage to your belongings is different from damage to the building. Hail damage to your car is an auto comprehensive question, not a renters claim; standard renters policies also generally exclude flood.
Theft protection — Check coverage for laptops, bikes and electronics, including items stored away from your apartment. Sublimits and deductibles can affect a claim.
Building requirements — Many Denver metro apartments require proof of liability coverage before you can sign a lease.
Household changes — Review coverage when you move, buy valuable items or change roommates. A roommate's belongings are not automatically insured by your policy.
Options may include coverage for valuables and more
Options may include scheduled valuables, identity theft expense coverage and higher liability limits. Availability and terms vary by carrier. Standard policies may have category limits of $1,000–$2,500; a $5,000 card might face a $2,500 limit rather than full reimbursement. Ask about documented values and scheduled coverage instead of assuming every item is fully insured.
Learn about scheduled personal property coverage →Why landlords ask for proof of coverage
Many landlords require liability coverage to address risks that their building policy does not handle for a tenant. Read the lease for the required limit and proof-of-insurance instructions. If the landlord asks to be listed as an interested party, bring that wording to Cassondra so you can confirm the appropriate listing. Meeting the lease minimum does not necessarily cover all your belongings or temporary housing needs.
Compare renters and auto together
Some carriers offer a multi-policy discount, but the useful comparison is total cost with equivalent coverage. Cassondra can compare a bundle with separate policies. Review auto insurance and our bundling guide. If you are buying a home, our homeowners insurance page explains the different coverage responsibilities.
Serving renters across the west metro
We serve Arvada, Wheat Ridge, Golden and Westminster from our Arvada office, by phone, email or in person. Bring your lease and current policy, if you have one.
For more detail, read renters coverage for Arvada and Golden apartments and why Colorado renters should consider coverage.
Frequently asked questions
Coverage varies by policy and carrier. Talk with Cassondra to review your options.
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Review your renters coverage with Cassondra
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