From Denver to Westminster and everywhere else in the Centennial State, renters insurance is an important step in being a responsible tenant. After all, if you're renting an apartment or home in Colorado, your landlord's rental policy may not cover everything. Nationwide renters insurance can help you in the event of theft, certain natural disasters, water backup damage and more. Our Colorado renters insurance policies are customizable and affordable - get an online renters insurance quote and see if you qualify for a discount today.

Is renters insurance required in Colorado?

While renters insurance is not required by law in Colorado, some landlords may require it for you to live in their building. It’s generally a good idea to have at least some form of coverage as your landlord’s insurance is not liable for any damage to your personal property. So in the event of a fire, accident, or burglary you will be responsible for replacing your belongings.

Colorado renters coverages and discounts
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Renters insurance coverage

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

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Discounts on renters insurance rates

Save money on Nationwide renters insurance coverage with these renters insurance discounts.

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Policy features that may meet the needs of Colorado renters

Whether you're looking for Denver renters insurance for your apartment or you are renting a home in the Rocky Mountains, you can get the right coverage at the price with Nationwide.
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

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What factors go into determining a renters insurance rate?

While the average cost of renters insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your renters insurance rate:

Location

The location of the rental property includes state and ZIP code.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your policy to cover.

Deductible

The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

What to consider when getting renters insurance in Colorado

Being a Mountain State, Colorado is known to experience snow and cold winters that can occasionally lead to burst or frozen pipes. Fortunately, most renters insurance policies will cover this type of water damage; however, any damage caused by a flood usually requires a separate policy. It is also important to note that if you are not living where you are renting at the time of the incident, you may not be able to receive any reimbursement for your belongings.

Get a free Colorado renters insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Colorado renters insurance quote today.

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[1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.