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Renters insurance may be optional, but it's important. It helps to protect your belongings in the event your rental property sustains damage. Renters insurance protects belongings in the event of fire, smoke damage, a wind event, theft or vandalism, and a variety of other circumstances.Unlike auto insurance, renters policies aren’t priced specifically by state. That said, there are sometimes substantial gaps in the cost of renters insurance by state. Renters insurance rates in states may differ depending on the value and number of renters insurance claims submitted in the state, and depend on the price of the belongings you're insuring.
Getting renters insurance in Colorado is less expensive than the national average. The typical annual renters insurance rate in Colorado is $175, $10 less expensive than the average across the nation.
The best way to get an affordable renters insurance policy in Colorado is to get quotes from as many insurers as possible. Learn renters insurance costs in Colorado by reviewing the below data. Individual rates may vary depending on coverage options and the value of your belongings.
Rates for renters insurance in Colorado vary depending on the insurer you choose. State Farm offers the best deal on renters policies in Colorado, at just $127 per year. This compares favorably to the state mean rate of $175, providing a 27% price cut on the state's average rate.
Start looking for a renters insurance policy by reviewing the best Colorado carriers, listed below.
|Insurance Company||Average Yearly Rate in Colorado|
Renters insurance rates in Colorado vary depending on the city. Rates are determined based on on locally specific variables such as the number of local claims filed, meaning your ZIP code could have a major impact on how much you pay.
The best renters insurance in Colorado is available in Longmont. An average renters insurance policy in Longmont costs $164 per year — $11 less than the average Colorado rate. The below table shows the best places to live in Colorado if you’re looking for cheap renters insurance.
|City||Average Annual Renters Insurance Rate|
If you're trying to save, consider purchasing your renters and car insurance policies from the same company. Bundling auto and renters insurance in Colorado can save you a substantial sum each month on auto insurance. Bundling policies in Colorado may earn you a yearly discount of $99.
|Avg. 12-Month Auto Insurance Rate (No Bundle)||Avg. 12-Month Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
You can save money on insurance by bundling your renters and auto policies. Start shopping today!
Are you looking for info on renters insurance for a specific city? Have a look at our breakdown of the most populous metropolitan areas in Colorado.
You're not required to carry renters coverage in Colorado unless the building you're renting does. Otherwise, it is an optional (but recommended) coverage.
This can vary based on your individual needs and company coverage options. Usually, it includes coverage for your contents, liability, medical payments to others, and additional living expenses.