Person with key in front of house icon.
Landlord Insurance in Northern Colorado

Protection for Your Property and Income

Owning rental property is a valuable investment — but it comes with risks. From property damage to liability claims, landlords face unique challenges that require the right protection. With landlord insurance in Northern Colorado, you’ll safeguard your property, your rental income, and your peace of mind.

What Landlord Insurance Covers

A black check mark on a white background.

Property Coverage

Pays to repair or rebuild your rental property if it’s damaged by a covered event such as fire, storm, or vandalism. This may also include appliances or furnishings you provide to tenants.

A black check mark on a white background.

Liability Coverage

Protects you against claims if a tenant or visitor is injured on your rental property, covering legal fees, court costs, and damages.

A black check mark on a white background.

Loss of Rental Income

Covers lost rental income if your property becomes uninhabitable due to a covered incident, such as fire or major water damage.

A black check mark on a white background.

Personal Property Coverage

Applies to items you own and provide as part of the rental agreement, like appliances or furniture inside the unit.

A black check mark on a white background.

Legal Fees Coverage

Helps cover the cost of defending against tenant lawsuits, including wrongful eviction or discrimination claims.

A black check mark on a white background.

Optional Add-Ons

Additional protection can include flood coverage, earthquake coverage, or extended liability depending on your property’s risks.

Benefits of Landlord Insurance

Without landlord insurance, you could face steep financial losses from tenant damage, lawsuits, or income disruptions. The right policy ensures you can continue generating rental income while protecting the property you’ve worked hard to invest in. With Chris Covers Your Assets, you’ll get straightforward advice and coverage tailored to your specific rental property.

Frequently Asked Questions

  • Is landlord insurance required in Colorado?

    It’s not required by law, but some mortgage lenders may require it. Even if it isn’t, landlord insurance is strongly recommended to protect your investment.

  • Does landlord insurance cover tenant damage?

    Yes, most policies cover accidental tenant damage to the property, but intentional damage may not be included unless you add specific coverage.

  • Does landlord insurance cover liability claims?

    Yes. It provides liability protection if tenants or visitors are injured or their property is damaged while at your rental. It can also help with legal defense costs.

  • What’s the difference between landlord insurance and homeowners insurance?

    Homeowners insurance is designed for owner-occupied homes. Landlord insurance is built specifically for rental properties and includes coverage for rental income loss and tenant-related risks.

At Chris Young Agency, we’ve been helping landlords protect their properties for nearly 30 years. Whether you own a single rental unit or multiple properties, we’ll create a policy that fits your needs. We proudly serve Northern Colorado and clients across Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona.

A sandy path leading to the ocean on a sunny day.