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Best Renters Insurance in Denver, CO

While it’s mandatory for homeowners with mortgages to have insurance, very few renters do. When it comes to protecting yourself from financial loss, it’s essential to choose the right company. We researched the best renters insurance companies in Denver to help you find the best policies.

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    by Sandi Pope ConsumerAffairs Research Team

    Top 9 Denver Renters Insurance Companies

    Farmers Renters Insurance
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    Farmers Insurance is proud of the fact that it first opened its doors just prior to the Great Depression and is still going strong today. It offers a variety of insurance policies, including comprehensive renters' insurance.

    Lemonade Renters Insurance
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    Offers basic renters insurance at super-low rates. No-frills insurance means fewer features like live customer support. Zero Everything option for zero deductible. Users can file claims through a mobile app.

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    Kinney Insurance Agency
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    Exclusively offers Allstate renters insurance policies to Denver renters. Gives discounts to renters who bundle their renters and car insurance.

    Kuzbiel Insurance Brokers
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    Works with 12 insurance carriers to deliver renters insurance policies from Travelers, Safeco, Hartford, Progressive and Nationwide. Sells supplemental flood insurance.

    L.A. Insurance Denver
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    Works with eight insurance carriers, including Progressive and Foremost Insurance Group. Has six convenient locations in the Denver metro.

    Shelter Renters Insurance Denver
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    Provides a variety of discounts for approved alarm systems, smoke detectors and deadbolt locks. Offers reduced premiums when renters maintain their insurance policy for at least six consecutive months without a claim.

    Square State Renters Insurance
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    Works with multiple insurance carriers. Discounts premiums for bundling renters and car insurance. Provides free renters insurance quotes.

    Stailey Insurance
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    Partners with 12 insurance carriers. Delivers renters insurance quotes from Acuity, Travelers, Hartford, Progressive and Safeco to Denver renters. Offers flood insurance for renters who want extra coverage.

    State Farm Renters Insurance Denver
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    Provides renters insurance policies to the Denver community. Offers discounts to customers who install home safety devices, including smoke detectors or burglar alarms.

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      denver skyline

      Close to half of Denver’s population rents their home, and many of those people don’t have renters insurance. Some people assume their landlord’s insurance policy covers their personal belongings in the event of a disaster, but these policies typically only cover the building itself. Renters need separate insurance to protect themselves financially.

      Property crime rates in Denver are more than 50% higher than the rest of the U.S. Rates are highest in the Downtown Denver areas of Auraria, Five Points and LODO, and renters in those areas should purchase renters insurance to protect themselves. Neighborhoods on the outskirts of the city, including Bear Valley and Montbello, have the lowest property crime rates.

      Renters insurance covers most weather and natural disasters, including damage caused by lightning, wind, hail and wildfires. While this helps residents with hail and tornadoes, which are the highest natural disaster risks in Denver, standard policies don’t cover the recent historic flooding that Colorado experienced. Many companies offer supplemental flood insurance, however.

      Average cost of renters insurance in Denver, Colorado

      Renters insurance in Denver typically costs between $10 to $30 a month, which works out to around $125 to $365 annually. The price tends to vary depending on where you live in Denver, your chosen level of coverage and your policy’s valuation method.

      When choosing renters insurance, start by creating a home inventory listing your belongings and how much they’re worth. This lets you know how high your coverage limit should be. Next, choose the valuation method of the coverage.

      • Replacement cost policies cover damaged or stolen items at the current market price, which gives you the funds you need to replace your belongings. These policies are more expensive.
      • Actual cash value policies cost less because they account for age and condition, also known as depreciation, when determining how much reimbursement you receive for lost or damaged possessions.

      Companies also sell endorsements for flood coverage, which increases the cost of your renters insurance policy.

      Renters insurance discounts in Denver

      Almost all insurance companies in Denver offer discounts when you bundle your renters insurance with your car insurance. Some companies also provide lower rates for retirees and seniors. Additionally, discounts are available for renters who have burglar alarms and smoke detectors.

      How to choose a Denver renters insurance company

      When selecting a renters insurance company, get quotes from multiple providers — many businesses provide free estimates. Once you can compare prices, use these guidelines to help find the right renters insurance providers:

      If you plan to insure high-value items, including jewelry, artwork, musical instruments or collectibles, you need to provide a receipt or have it appraised to prove its value. Ask your insurance provider how to document the worth of these possessions.

      Your deductible is the last factor you need to think about when choosing a renters insurance company in Denver. Plans with high deductibles tend to be the most affordable since you have to pay a higher amount before the coverage kicks in. If you would rather pay less upfront, opt for a plan with a low deductible but expect to spend more on monthly premiums. Deductibles typically range from $500 to $1,000.

      Is renters insurance required in Colorado?

      Renters insurance is not required for Colorado residents, but it’s common and legal for landlords to require tenants to purchase a policy.

      Even if it’s not required, It’s a good idea to have renters insurance. The policy protects you financially if your property is damaged or stolen, and it covers you if a guest injures themselves at your home.

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        Denver renters insurance company information

        Square State Renters Insurance

        Square State Insurance is a broker that works with multiple carriers to provide renters insurance to Denver residents. The company offers free quotes on its website. It also provides discounts for bundling car and renters insurance policies.

        • Address: 1312 17th St., Ste. 188, Denver, CO 80202
        • Phone: (720) 346-7873
        • Hours: M - F: 8am - 6pm; Sat & Sun: 9am - 3pm
        • Website:
        L.A. Insurance Denver

        L.A. Insurance has six locations in the Denver metro area and partners with eight insurance carriers. Local agents offer renters insurance policies from Progressive and Foremost Insurance Group. To file a claim, customers contact their carrier or use the carrier’s website. Policyholders receive discounts for bundling car and renters insurance as well as installing security systems.

        • Address: 2684 S. Broadway, Denver, CO 80210
        • Phone: (720) 996-9696
        • Hours: M - F: 9am - 6pm; Sat: 10am - 2pm
        • Website:
        State Farm Renters Insurance Denver

        Jack Downing is a State Farm agent who provides renters insurance to the Denver community. Downing’s firm offers discounts for clients who bundle their renters and car insurance. It also gives discounts for installing smoke detectors, burglar alarms or other home monitoring systems. Customers file claims through the State Farm website.

        • Address: 1600 Stout St., Ste. 270, Denver, CO 80202
        • Phone: (303) 825-6633
        • Hours: M - F: 8:30am - 5pm
        • Website:
        Kinney Insurance Agency

        Kinney Insurance Agency is an Allstate agent that offers renters insurance to Denver residents. Customers can add supplemental flood protection to their renters insurance policy. The agency provides discounts to retirees, customers who bundle their insurance with their car insurance and renters with qualifying security systems and fire alarms.

        • Address: 4620 E. Colfax Ave., Denver, CO 80220
        • Phone: (303) 282-7111
        • Hours: M - W: 9am - 6pm; Th: 9am - 5:30pm; F: 9am - 5pm
        • Website:
        Kuzbiel Insurance Brokers

        Kuzbiel Insurance Brokers partners with 12 insurance carriers to offer renters insurance policies from Travelers, Safeco, Hartford, Progressive and Nationwide. Renters can add a flood endorsement to their policy. Kuzbiel Insurance Brokers also provides discounts to customers who bundle renters and auto insurance.

        • Address: 1930 Sherman St., Denver, CO 80203
        • Phone: (720) 351-2066
        • Hours: Call for hours
        • Website:
        Stailey Insurance

        Stailey Insurance offers renters insurance policies from Acuity, Travelers, Hartford, Progressive and Safeco. The company also provides flood insurance and discounts for bundling renters and auto insurance. Customers can file claims using a link from Stailey’s website. The insurance broker gives free quotes.

        • Address: 2084 S. Milwaukee St., Denver, CO 80210
        • Phone: (303) 759-2796
        • Hours: M - Th: 8am - 4:30pm; F: 8am - 4pm
        • Website:
        Shelter Renters Insurance Denver

        Doug Mayer provides renters coverage from Shelter Insurance. Customers can call or go to Mayer’s website to file a claim. Shelter Insurance offers a variety of discounts for approved alarm systems, smoke detectors and deadbolt locks. The company also provides reduced premiums when renters maintain their insurance policy for at least six consecutive months without a claim.

        • Address: 7200 E. Hampden Ave., Ste. 204, Denver, CO 80224
        • Phone: (303) 300-2000
        • Hours: M - Th: 9am - 4pm; Sat: 9am - 3pm
        • Website:
        by Sandi Pope ConsumerAffairs Research Team

        Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.

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