Renters Insurance

Protect your personal belongings against fire, weather damage, vandalism and theft.

Your skis. Your snowboard. A brand new 48’ TV.  A designer suit, your daughter’s bicycle, an antique desk that belonged to your grandfather. You may not own the house or apartment where you live, but you still call it “home” and fill the space with your cherished possessions. None of them are covered by your landlord’s insurance policy, so it is up to you to protect them by obtaining proper coverage for all of your treasures.

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Protection For Your Treasures

Renters Insurance protects your personal belongings against fire, weather damage, vandalism and theft. It also provides liability coverage in case you are found legally responsible for injuries to others or for damage to their property. Finally, a typical Renters Insurance policy includes coverage for additional living expenses if the house or apartment you rent becomes temporarily uninhabitable.

At Kuzbiel Insurance Brokers, we work with a variety of insurance carriers to provide coverage options that are specific to your needs. We also review your renters policy at every renewal and keep you informed about any alternative offers or discounts.

Coverage Details

In addition to protecting your personal belongings, a typical Renters Insurance can come with a number of additional coverages that can prove to be very useful.

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renters coverage

Options to Consider

Personal Property

Coverage for your belongings, both inside your condo and, up to a certain limit, also when they are stolen or damaged outside of the property, anywhere in the world.

Personal Liability

Coverage against lawsuits for bodily injury or property damage that you or a family member are liable for. Some policies include damage done by your pets.

Guest Medical

Coverage for the cost of medical expenses for someone injured on your property, without a liability claim being filed against you.

Loss of Use/Additional Living Expenses

Coverage for the additional cost of living away from home if your condo is being rebuilt or repaired after a covered loss. Some of the expenses covered include temporary accommodation (hotel, rental), restaurant meals, storage costs and pet boarding.

Identity Fraud

Available by endorsement, helps cover the costs related to identity restoration if you are a victim of identity theft.

keep track of your possessions

We recommend that you create an inventory of your personal belongings and keep track of all receipts, user manuals and any other documents that can provide more details about your items. You should also have your more valuable items like jewelry or art collections professionally appraised. If you ever have to file a claim, providing as much information as possible about a specific item will make the process much easier and faster. Take photos and make video recordings of your possessions, or use one of the many home inventory apps available online.

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Some of the most common questions that come up when you have to choose the right Colorado renters insurance coverage:

common questions

How much liability protection do I need?

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Will my personal belongings be replaced in the event of a total loss?

Do I need to keep an inventory of all the things I own?

Do I need additional insurance for my valuable items (jewelry, art collections, etc.)?

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Is my $15,000 engagement ring covered on the policy?

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Our goal at Kuzbiel Insurance Brokers is to provide answers to these and other questions you may have and to ensure that you fully understand all the options before making a decision.

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