Renting an apartment, condo, or home in Northern Colorado gives you freedom and flexibility—but it doesn’t protect your personal belongings. Whether you are a CSU student living off-campus, a young professional in Old Town, or a family renting a home in Fort Collins, having the right renters insurance ensures an unexpected accident doesn't wipe out your savings.

At Insurance Specialties Ltd., we’ve been helping Northern Colorado residents protect what they’ve worked hard for since 1989. As an independent insurance agency, we don't work for one single insurance company—we shop multiple top-rated carriers on your behalf to find you the best coverage at the lowest rate.

"My landlord has insurance, so I'm covered, right?"
No. Your landlord or property manager carries insurance that protects the physical building. It does not cover your furniture, electronics, clothing, sports gear, or personal liability if someone is injured inside your rental.

Without your own renters policy, replacing your personal property after a fire, water pipe burst, or break-in comes entirely out of your own pocket.

A standard renters policy provides three main layers of protection:

Covers the cost to repair or replace your belongings if they are damaged or stolen due to covered events like fire, smoke, theft, vandalism, or burst pipes.

• Includes coverage outside your rental: Your belongings are often covered even when you're away from home—like a laptop stolen from your car or luggage lost while traveling.

Protects you financially if someone is accidentally injured inside your apartment or if you accidentally cause damage to someone else's property (for example, if a kitchen fire or overflowing sink damages a neighboring unit). It helps cover legal fees, court costs, and medical bills.

If a covered event makes your rental temporarily uninhabitable, your policy helps pay for temporary housing (hotel stays), food, and extra living expenses while repairs are being made.

Renters insurance is one of the most affordable types of coverage available. In Colorado, average policies cost between $12 and $18 per month—less than the price of a couple of coffees.

Coverage AreaTypical Limit OptionsWhat It ProtectsPersonal Property$15,000 – $50,000+Furniture, tech, clothing, bikes, gearPersonal Liability$100,000 – $300,000Slip-and-fall injuries, accidental property damageMedical Payments$1,000 – $5,000Minor medical expenses for guests injured on-siteDeductible$250, $500, or $1,000Out-of-pocket amount you pay before coverage kicks in

• Independent Agency Choice: We compare quotes across top national carriers (like Progressive and Liberty Mutual) so you don't have to waste time shopping around.
• Fast Landlord Proof: Need proof of insurance to get your keys? We issue your Certificate of Insurance directly to your landlord or property manager in minutes.
• Local Fort Collins Support: When you have questions or need to file a claim, you speak directly with local agents who live and work right here in Northern Colorado.
• Policy Bundling Discounts: Save even more by combining your renters insurance with your auto or motorcycle policy.

Protecting your home and belongings shouldn't be complicated or expensive. Let our team at Insurance Specialties Ltd. find the right policy for your budget and lifestyle.

• Call Us: (970) 490-1530
• Visit Our Office: 2627 Redwing Rd, Suite 160, Fort Collins, CO 80526
• Online: Request a free, no-obligation quote today!