Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Denver

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Denver Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

224Reviewed

137Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
4380 South Syracuse Street, Denver, CO 80237
  • Multiple Carriers

Why choose this provider?

Advantage Insurance Solutions is an independent insurance agency that serves individuals, families, and businesses in and around the Denver metro. Established in 2005, it works with different insurance carriers, such as Liberty Mutual Insurance and Safeco Insurance, so clients can have options when choosing a renters' insurance plan that suits their personal needs. Its staff members also handle life, auto, pet, and umbrella insurance policies. In addition, they are regular volunteers at a local non-profit organization that gives clothes to kids in need.

License Verified:

License: 272745

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (192)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5165 West Alameda Avenue, Denver, CO 80219
  • Multiple Policy Types

Why choose this provider?

1-800 Car Insurance is a Denver company that helps clients find the right insurance coverage for their needs. It offers renters' insurance to customers that want to acquire coverage for their personal belongings. In addition, the agency also assists clients in obtaining other types of insurance, such as auto, life and health, and commercial insurance. 1-800 Car Insurance has both English and Spanish-speaking agents working with more than 30 different insurance providers. The company has been acknowledged by previous clients for the quality of its customer service.

License Verified:

License: 655271

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (43)
Yelp
5.0 / 5 (1)

Website
871 Santa Fe Drive, Denver, CO 80204
  • Multiple Policy Types

Why choose this provider?

Dylan Guyton is a State Farm Agent who offers renters' insurance coverage to clients in Denver and the surrounding areas. He aims to provide clients with renters' insurance policies designed to protect their belongings while renting. Dylan and his team offer additional options for life, health, home, auto, and pet insurance, in addition to property coverage. They provide banking services as well. Dylan also serves commercial clients, providing small business insurance and a variety of financial services.

License Verified:

License: 623479

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (34)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
677 Grant Street, Denver, CO 80203
  • Multiple Policy Types

Why choose this provider?

Lightship Insurance, led by John Klassen, has been serving clients in and around Denver since 1996. The company specializes in providing personal insurance products that offer protection for clients’ homes, automobiles, and personal possessions. Its products include renters' insurance, motorcycle insurance, and personal umbrella insurance. Lightship Insurance also offers specialty products for businesses, including lawyer malpractice insurance, technology insurance, and lessors’ risk insurance. In addition, the company offers fixed annuities and individual disability insurance products.

License Verified:

License: 6478

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (65)
Facebook
4.0 / 5 (6)
Yelp
4.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1100 South Shoshone Street, Denver, CO 80223
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Premier Mountain Insurance is a family-owned independent agency operating in Denver. It offers a wide range of home insurance plans including renters' insurance policies that cover personal property, liability, and additional living expenses. These provide financial protection for tenants against instances like theft, fire, or bodily injury to another person. The agency brings more than 12 years of experience in the field with its agents also specializing in dental, personal umbrella, commercial, and toy insurance.

License Verified:

License: 600215

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (148)
Facebook
5.0 / 5 (30)
Yelp
4.5 / 5 (9)

Website
3880 West 38th Avenue, Denver, CO 80211
  • Multiple Policy Types

Why choose this provider?

All Drivers Insurance is a renters' insurance company that serves clients from Denver and nearby areas. The agency offers various rental insurance policies to secure clients' belongings in case of an unexpected event. Some of the coverage options available include additional living expenses, liability protection, and medical payments. There are also other insurance options available for cars, motorcycles, and businesses. The firm has partnered with top insurance carriers like Foremost Insurance Group and Mendota Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (108)
Yelp
1.0 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3501 West 38th Avenue, Denver, CO 80211
  • Multiple Policy Types

Why choose this provider?

Metropolitan Insurance is a local insurance agency based in Denver. It represents multiple local and national insurance companies to deliver customized insurance packages that match clients' financial needs. It comprises insurance agents who are knowledgeable about renters' insurance. The agents educate clients about the pros and cons of this insurance option. Its plan helps replace lost or damaged valuables from fire, lightning, windstorms, vandalism, and theft. Its other products offered include health, workers' compensation, life, and auto insurance.

License Verified:

License: 181048

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (38)
Facebook
5.0 / 5 (10)

FAQs

  • Is renters' insurance necessary for college students in Denver?

    Yes, college students in Denver should consider renters' insurance if living off-campus or independently, as personal belongings are not typically covered under their parents' policies in these situations. For those residing on-campus and under 24 years of age, they may be included in their parents' homeowners' or renters' insurance, usually up to a certain percentage of the policy's coverage for belongings.

  • Do Denver residents need to have renters' insurance by law?

    No, renters' insurance is not mandatory in Denver. While state law does not make it compulsory, some landlords may insist on tenants obtaining this insurance. Possessing this coverage is crucial, as a landlord’s policy doesn't cover personal property losses due to incidents like theft or fire. Without insurance, renters will have to handle replacement expenditures arising from unforeseen events.

  • What is the minimum amount of liability insurance required for renters in Denver?

    In Denver, it's required for renters to show they have liability insurance coverage of no less than 100,000 before they move in. Landlords demand to see this proof. Having insurance not only meets this requirement but also boosts a renter's profile in Denver's tight housing market, where vacancies hover at 4%.

  • Does renters' insurance obtained from Denver cover theft incidents in another state?

    Renters' insurance acquired in Denver also safeguards personal items no matter where theft occurs, even in another state. If someone has their possessions taken from their vehicle while traveling across state lines, their renters' insurance ensures they are covered. Given how mobile life is these days, having this extensive coverage is crucial.

  • Does renters' insurance in Denver cover damage from burst pipes?

    Renters' insurance in Denver generally covers damage to personal property caused by frozen or burst pipes, a common occurrence during winter. However, flood-related water damage is not covered by this insurance and requires separate coverage. Additionally, if renters are not occupying their leased premises at the time of such an incident, they may be ineligible for reimbursement for damaged belongings.

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