Renters Insurance in Denver, CO

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renters insurance in Denver, Colorado

Renters insurance is important for those renting an apartment or house. Renters insurance covers your rental unit — and the personal property within it — against a variety of harms, including theft, fire, vandalism, or wind damage. Given the reasonable likelihood of a damaging incident, the affordability of a renters policy, and the relatively high cost of replacing your property, a renters insurance policy is a solid investment.

The cost of your renters insurance will rely on a number of contributing factors, including the building's age, its material constitution, its geographic location, and the pricing rules of your insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the additional risk.

The average yearly cost of renters insurance in Denver is $191.

Getting affordable renters insurance in Denver should start with a thorough comparison of the top renters insurance companies. Consult our analysis of average Denver renters insurance rates to ensure you start your search with as much background info as possible. Remember: rates may vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Denver

Insurance premiums in Denver vary based on the insurance company. For instance, State Farm offers the cheapest renters insurance in Denver, at just $125 per year. This compares favorably to the city's typical renters insurance cost of $191, providing a $66 discount on typical rates in the city.

Begin your search for a renters insurance policy by reviewing the cheapest companies in Denver.

CompanyAverage Annual Rate in Denver
State Farm$125
Great Northern$156

Denver renters insurance pricing by coverage tier

The cost of your renters insurance depends on the amount of coverage you carry. Common renters insurance coverage tiers are $25,000 and $50,000 property coverage. In Denver, the annual cost differential between these options is about $51. If you can afford the up-front expense, it's worth considering.

Coverage LevelAverage Annual Rate in Denver
$25K Property$165
$50K Property$217

Tip: bundle your auto and renters insurance policies in Denver

If you’re seeking ways to save on your insurance expenditures, consider carrying your renters and auto policies with the same insurance company. Bundling renters and car insurance in Denver can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Denver leads to average auto insurance savings of $127. The auto insurance company with the cheapest bundled rate is GEICO, followed by State Farm and American Family.

Annual Bundle SavingsBundle Savings %

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