Colorado Renters Insurance

Learn more about renters insurance in Colorado.

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How to get affordable renters insurance in Colorado

Renters insurance is a critical — and affordable — form of insurance. It keeps your things safe in the event your rental property suffers damage from a common incident. A renters insurance policy protects items in the event of smoke or fire damage, a wind storm, vandalism, theft and a collection of other calamities.

Unlike auto insurance, renters insurance isn't governed by state legislation. Regardless, there are often differences in renters insurance prices from state to state. Renters insurance costs by state vary depending on the number and value of renters policy claims filed in that particular state, and also on the value of the belongings being insured.

Colorado renters insurance is less expensive than the US average. The typical annual renters insurance rate in Colorado is $175, $10 less expensive than the average across America.

The easiest way to get affordable renters insurance in Colorado is to view prices from multiple insurance companies. Get an idea of typical renters insurance rates in Colorado by referencing the below tables. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.

 
Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

 

Renters insurance prices in Colorado by company

Renters insurance prices in Colorado can vary based on the insurance company you choose. State Farm offers the best deal on renters policies in Colorado — $127 per year. This is less than the state average cost of $175, providing a 27% price break on average policy costs statewide.

Start looking for a renters policy by reviewing the cheapest Colorado renters insurance carriers, listed below.

 
AFFORDABLE RENTERS INSURANCE COMPANIES IN COLORADO
CompanyAverage Annual Rate in Colorado
State Farm$127
Travelers$129
Allstate$129
Safeco$132
Shelter$152
 

Colorado renters insurance costs by city

Renters insurance rates in Colorado vary depending on the city. Rates depend on city-specific variables, such as the number of local claims filed, meaning your specific ZIP code impact how much you pay.

The cheapest renters insurance rates in Colorado are available in Longmont. In Longmont, the typical renters insurance policy costs $164 annually — $11 less than the average policy in other Colorado cities. Reference the below table to see the cheapest cities in Colorado for renters insurance.

 
CHEAPEST CITIES FOR RENTERS INSURANCE IN COLORADO
CityAverage Yearly Renters Insurance Rate
Longmont$164
Fort Collins$165
Loveland$165
Boulder$167
Greeley$168
 

Looking for information about renters insurance for a specific city? Check out our listof the biggest cities in Colorado.

  1. Aurora
  2. Colorado Springs
  3. Denver

 

Renters insurance in CO by coverage tier

The cost of your renters insurance depends on the amount of coverage you carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Colorado, the annual cost differential between these levels is approximately $43. If you can afford the up-front expense, it's worth considering.

Coverage LevelAverage Yearly Renters Insurance Rate in Colorado
$25K Property$153
$50K Property$196
 

Tip: bundle auto and renters insurance in Colorado

If you want to save on insurance, consider purchasing your renters and auto policies from the same insurance company. Bundling renters and auto insurance in Colorado can save you a substantial sum each month on auto insurance. Bundling policies in Colorado results in yearly savings of $99.

 
CAR AND RENTERS BUNDLING DISCOUNTS IN COLORADO
Avg. Annual Rate (No Bundle)Avg. Annual Rate (w/ Bundle)Annual Savings ($)Annual Savings (%)
$1,682$1,582$996%
 

Colorado renters insurance FAQs

 

Is renters insurance required 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.

What does Colorado renters insurance cover?

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.



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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

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