Renters Insurance for Colorado and Arizona Tenants
Your landlord's policy covers the building. It does not cover a single thing you own, and it does not cover you if someone is hurt in your unit.
The Policy Most Renters Skip
There is a persistent belief among tenants that the landlord's insurance covers their things. It does not, and it never has. That policy exists to rebuild the building. If a pipe bursts or a fire starts two units over, everything you own is your problem.
Add up what is actually in your place: the laptop, the TV, the bike, the clothes, the kitchen, the instruments. Most people arrive at a number several times higher than they expected, and then discover that insuring it costs a fraction of what they assumed. The liability side matters just as much, because if a guest is injured in your unit or your dog bites someone, that claim lands on you.
We write renters coverage across Colorado and Arizona, and if you already have a car with us it is usually cheaper to add than to buy alone.
- Coverage nationwide
- Bundles with auto
- Covers you away from home too
What Renters Coverage Can Include
Three core pieces, plus the parts people are pleasantly surprised by.
Personal Property
Everything you own inside the unit. Take photos room by room and store them somewhere off-site, and a claim becomes a form rather than an argument.
Personal Liability
If a guest is injured in your unit or you damage the building. Most leases now require this, and the required limit is often lower than you would want anyway.
Loss of Use
Helps with a hotel and meals if a covered loss makes the unit unlivable. Renters underestimate this until they need somewhere to sleep.
Off-Premises Property
Your things are usually covered away from home too, so a laptop stolen from a car or a bag taken at a coffee shop may still be a claim.
High-Value Items
Jewellery, cameras, instruments and gaming rigs hit category caps quickly. Scheduling the specific item raises its limit.
Water and Sewer Backup
Damage from a backed-up drain is frequently an add-on rather than standard. In older buildings it is worth the small extra cost.
Coverage terms and payouts depend on your policy and the carrier. Renters policies exclude flood, which needs separate coverage. Bundling with auto insurance usually reduces both, and umbrella insurance can sit above a renters policy for extra liability.
Getting a Renters Quote Is Simple
Genuinely quick, and usually cheaper than people guess.
Start Your Free QuoteWe Listen
Where you rent, roughly what your belongings are worth, and whether your lease sets a required liability limit.
01
We Shop
We compare carriers, including the discount for putting it with a car policy, which often covers much of the cost.
02
You Choose
You pick the limits and deductible. We can usually send proof of coverage to your landlord the same day.
03
Renters Insurance Questions We Hear a Lot
No. Their policy covers the building itself and their liability as owner. Everything you own, and your own liability as a tenant, is outside it entirely.
It is typically the least expensive policy we write, often a modest monthly figure, and less again when bundled with a car. We will quote yours rather than deal in averages.
Walk each room and total what it would cost to replace the contents. Almost everyone lands higher than their first guess, particularly once clothing and kitchen items are counted.
Not usually. Policies cover the named insured, so roommates generally need their own unless they are specifically added. It is worth checking rather than assuming.
Usually yes, at a percentage of your property limit. A laptop taken from your car or luggage lost while travelling may well be covered, which surprises most people.
Replacement cost pays what a new equivalent costs today. Actual cash value subtracts depreciation, which on a five year old television is substantial. Replacement cost is worth the small difference in premium.
What Our Clients Say
- Personal coverage · Great service
Really GREAT group to work with - Kim Adams is a "GSD" Queen!! This group really makes you feel like you have people on your side in all the madness of the insurance world....... thank you for all your many years of help and we APPRECIATE your integrity and outstanding service. A+++++++++
Christine Bergman Google - Personal coverage · Great service
I have had great service from Pikes Peak Insurance-from the owners to other staff. Recently Melinda went out of her way to help me. As have others. She has kept in touch and as I am now older it is greatly appreciated. They are at a milestone anniversary and I wish them great success into the future.
Sandra Davis Google - Business insurance · Great service
Krys has been our insurance agent for years now, and has helped us every step of the way! The communication is fantastic and customer service is top notch! Thank you PPIA
TCS Septic Google - Personal coverage · Great service
Gretchen, Kim, and the entire staff at Pikes Peak Insurance have consistently provided me with top-notch customer service over the past 20 years. They have the perfect blend of professional expertise and thoughtful regard for the well-being of their clients.
Debbie Evercloud Google - Personal coverage · Great service
I can't say enough great things about Pikes Peak Insurance Agency! Every time I call with questions about something, they are all so kind and helpful. Especially Gretchen! She remembers who I am right away and is just the sweetest! She's knowledgeable and extremely helpful, always looking for the best solution for their clients. I highly recommend this company!
Tina Google - Personal coverage · Great service
I have been working with the Pikes Peak Insurance agency for more than a decade. Chris, Barbara, Gretchen, Donald are all very professional and find best insurance policies that work for me. I am very happy with their service. They do a good job.
Sarma Yeddanapudy Google
Ready for a Free, No-Pressure Quote?
Call or text (719) 591-4500, or request your quote online. One local team, more options, and no obligation. Open M–F · 9:00 AM–5:00 PM.
Request Your QuoteShort on Time? Have Us Call You.
No quote form to fill out. Leave your name and number and someone from our Falcon office will call you back.