Landlord Insurance for Denver & Colorado Rental Property Owners
Your rental property is an investment, and your homeowners policy usually isn’t built to protect it once a tenant moves in. Whether you own one rental condo in Capitol Hill or a handful of duplexes across the Front Range, Denver Insurance LLC helps you find landlord coverage that fits the way you actually rent.
As an independent agency, we don’t work for one insurance company. We work for you. We shop your rental property with multiple carriers, compare coverage side by side, and explain the differences in plain English so you can make a confident decision.
What Landlord Insurance Can Cover
- The dwelling: Protection for the structure you rent out, including options for replacement cost coverage on qualifying properties.
- Other structures: Detached garages, fences, and sheds on the rental property.
- Loss of rental income: Helps replace rent you lose if a covered claim makes the property unlivable while it’s repaired.
- Premises liability: Protection if a tenant or visitor is injured and you’re held responsible.
- Landlord-owned contents: Appliances, furnishings, and supplies you keep at the property.
- Optional add-ons: Coverage options such as water backup, equipment breakdown, service line, and vandalism, depending on the carrier and property.
Rental Properties We Can Help Insure
- Single-family rental homes
- Duplexes, triplexes, and fourplexes
- Condos and townhomes rented to tenants
- Short-term and vacation rentals (Airbnb, VRBO)
- Seasonal and secondary homes
- Vacant properties between tenants or during a sale
- Properties owned in an LLC
- Investors with multiple rental properties
Eligibility varies by carrier and property. We’ll tell you up front which options fit your situation.
Why Colorado Landlords Work With Us
- More options, one conversation. We compare several carriers so you don’t have to fill out application after application.
- Colorado know-how. Hail, wildfire, and frozen pipes are real risks here. We’ll walk you through wind/hail deductibles, roof considerations, and water coverage before you buy.
- Bundle and save. Many of our carriers offer multi-policy discounts when you combine your rental with your home, auto, or umbrella policy.
- Room to grow. Adding another rental? We can help you keep your portfolio organized and properly covered.
- Local service. We’re a Denver agency. When you have a question or a claim, you talk to people who know you.
Landlord Insurance FAQs
Do I need landlord insurance if I already have homeowners insurance?
Usually, yes. Most homeowners policies are written for a home you live in. Once you rent the property to tenants, you generally need a landlord (dwelling) policy designed for rental use. We’ll help you make the switch without a gap in coverage.
Does landlord insurance cover my tenant’s belongings?
No. A landlord policy protects your building, your liability, and your property. Your tenants need their own renters insurance, and many landlords require it in the lease. We can quote renters insurance for your tenants too.
Can I insure a short-term rental like an Airbnb?
Yes, in many cases. Short-term rentals have different risks than long-term rentals, and not every carrier writes them. We’ll match you with a carrier that does.
My rental is owned by an LLC. Can you still help?
Yes. Several of the markets we work with can write rental properties owned by an LLC or other business entity.
Should I add an umbrella policy?
If you own rental property, an umbrella policy can add an extra layer of liability protection above your landlord, home, and auto policies. Ask us for a quote.
