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Best Renters Insurance Companies in Denver, CO

Oct. 18, 2019, 9:27 p.m.

Renters insurance protects renters from financial loss. Rent in Denver is expensive, but renters should still get renters insurance to protect the contents of their homes in case there’s a fire, theft or other covered event. That’s why our partners at ConsumerAffairs researched the best renters insurance in Denver to help you choose the right policy.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. Denver7 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Policygenius

Wide choice of A-rated insurers!

#1 MOST POPULAR
Policygenius
Policygenius
Features
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Denver
Read More
Location
Serves residents in
Denver, CO
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Denver
Read More
Location
Serves residents in
Denver, CO
(855) 522-3444
#3
Joey McQueeney: State Farm Insurance
Joey McQueeney: State Farm Insurance
Features
  • $500 - $1,000 average deductible
  • Electronics covered up to $5,000
  • Up to $1,500 covered for business property
  • Discounts for home alert protection devices
Location
3858 Walnut St., Ste. 150
Denver, CO 80205
(303) 291-5529
#4
Greg Delgado: Farmers Insurance
Greg Delgado: Farmers Insurance
Features
  • Different deductions for special situations
  • $5,000 compensation limit for computers
  • Speaks Spanish
  • 7+ years experience
Location
2900 W. 44th Ave., Ste. 101
Denver, CO 80211
(720) 588-4111
#5
K.D. Sakraida: Allstate Insurance
K.D. Sakraida: Allstate Insurance
Features
  • 12+ years experience
  • Bundle with auto policy & pay as low as $4/month
  • Reimburses up to $1,000 per item of lost/damaged jewelry
  • Offers identity restoration coverage
Location
4045 Pecos St., Ste. 105
Denver, CO 80211
(303) 433-2094
Colorado Insurance Broker: Nationwide Insurance
Colorado Insurance Broker: Nationwide Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • coloradoinsurancebroker.com/personal-insurance/renters-insurance
Location
1221 S. Clarkson St., Ste. 219
Denver, CO 80210
(303) 694-1413
Denver Tech Center: Liberty Mutual Insurance
Denver Tech Center: Liberty Mutual Insurance
Features
  • M-F: 8:30am - 5pm
  • Sat: By appointment only
  • Closed Sun
  • libertymutual.com/insurance-office-denver-tech-center-denver-co
Location
4582 S. Ulster St., Ste. 300
Denver, CO 80237
(720) 489-8400
Denver Insurance
Denver Insurance
Features
  • M-F: 9am - 5pm
  • Sat and Sun: By appointment only
  • denverinsuranceteam.com/affordable-online-renters-quote
Location
1127 Auraria Pkwy., Ste. 22
Denver, CO 80204
(720) 446-5566
Doug Mayer: Shelter Insurance
Doug Mayer: Shelter Insurance
Features
  • M-Th: 9am - 4pm
  • F: 9am - 3pm
  • Closed Sat and Sun
  • shelterinsurance.com/CA/agent/DMAYER
Location
7200 E. Hampden Ave., Ste. 204
Denver, CO 80224
(303) 300-2000
Brown & Brown of Colorado: Travelers
Brown & Brown of Colorado: Travelers
Features
  • M-F: 8am - 5pm
  • Sat and Sun: By appointment only
  • travelers.com
Location
2170 S. Parker Rd., Ste. 251
Denver, CO 80231
(303) 980-6265

How to choose rental insurance in Denver

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Nearly 50 percent of Denver residents are renters, but many do not have renters insurance. Denver property crimes are on the rise, and, in 2018, more than 2,000 such crimes occurred every month. Fires in the Mile High City are also a concern due to the dry climate. Luckily, apartment insurance options are pretty affordable and in the event of a disaster could save you thousands of dollars.

Renters insurance in Denver is critical for:

  • College students and young professionals who have roommates or live on campus
  • Renters in high-density neighborhoods like Capitol Hill, RiNo, Uptown and Washington Park; although some of these neighborhoods have more affordable rent prices, damage and theft are far more likely
  • Senior adults who may be easy targets for theft and have a lifetime of belongings to lose

Your landlord’s insurance usually won’t cover any of your belongings or cover you if someone gets hurt in your home. As a tenant, you are responsible for your belongings and legal liability, but renters insurance in Denver can help. Just a few dollars a month can mean the difference between losing everything and being able to keep your standard of living.

Renters insurance policies usually offer:

  • Personal property coverage that reimburses you the cost of lost items; it can cover either the cost of replacement or the actual cash value of the items after depreciation, which is usually cheaper
  • Liability coverage in case someone is accidentally injured or has their things damaged while in your home
  • Additional living expenses if you have to leave your home during an emergency; this coverage is less common, but it covers hotel and meal costs during these events

It’s worth noting that renters insurance in Denver doesn’t cover certain events like floods, earthquakes and pest infestations.

What does renters insurance in Denver cost?

The average cost for Denver renters insurance runs between $150 - $250 a year or about $15 - $20 a month. However, premiums vary based on your coverage level, coverage type and deductible. For example, your rates may be significantly higher if you have valuable stuff like art or jewelry because you’ll need a higher coverage limit. Additional policies, called riders, are also available for high-value items.

Renters can save money on renters insurance in Denver by bundling their insurance policies or installing safety equipment such as deadbolts and fire alarms.

Policygenius

Policygenius

Policygenius has helped over 4.5 million people find the right insurance. After answering some questions online to determine how much coverage you need, this service secures quotes from multiple policy providers and explains your options. Reviewers appreciate Policygenius’s responsiveness and how easy it makes the process.

EverQuote

EverQuote

EverQuote is a marketplace for all kinds of insurance. Users fill out a short form to describe their needs, and policy providers reach out with quotes, often within minutes. However, some reviewers did not like being contacted by third parties and needing to fill out some information more than once.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.