Expertise.com
2024

Last updated:

Best Renter's Insurance Companies in Highlands Ranch

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 Highlands Ranch 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.

43

Reviewed

28

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
8400 East Crescent Parkway Suite 600, Greenwood Village, CO 80111
  • Multiple Carriers

Why choose this provider?

Main Street Independent Insurance Agencies, Inc., is a locally operated full-service insurance brokerage firm that serves both residential and commercial clients from Highlands Ranch and the surrounding areas. It provides a wide range of insurance packages, including renters', homeowners', life, auto, and commercial auto insurance. The firm also offers insurance policies for businesses of all sizes, types, and industries. Agency owner Abe Micijevic is a former State Farm agent. He can also serve clients in Serbo-Croatian.

License Verified:

License: 679888

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 (90)

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
8796 S Colorado Blvd, Unit C, Highlands Ranch, CO 80126
  • Multiple Carriers

Why choose this provider?

Jodi Stoker is a State Farm insurance agent serving the metro of Highlands Ranch. She offers renters' insurance to cover the personal valuables of renters not covered by landlords' insurance. She also provides homeowners', auto, business, and life insurance products from State Farm. In addition, her team also assists clients with their financial concerns. Clients are welcome to visit their pet-friendly office in the metro. Jodi has been a State Farm agent for more than a decade.

License Verified:

License: 281247

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 (52)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (2)

Website
8191 Southpark Lane, Ste 109, Littleton, CO 80120
  • Multiple Carriers

Why choose this provider?

Insurance Specialists of Colorado is an independent agency that serves individuals and business owners in the Highlands Ranch area. It helps short-term renters protect their valuables and occupied properties by offering renters' insurance plans. The firm also provides auto, life, umbrella, and general liability insurance products. It deals with the country's primary insurance carriers, like Nationwide, SECURA Insurance, and Progressive Corporation. Todd Kirsch, the owner, has been in the insurance industry for almost three decades.

License Verified:

License: 109509

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 (9)

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
66 Springer Drive Ste 206, Highlands Ranch, CO 80129
  • Multiple Policy Types

Why choose this provider?

Laura Leier is an insurance agent who serves clients in the Highlands Ranch area. She crafts renters' insurance to help tenants keep their personal belongings financially covered. She also offers auto, business, health, home, life, and property insurance plans. Her other products and services include annuities, banking, and mutual funds. Leier won the State Farm Legion of Honor in 2019. In addition, she is a member of the National Association of Insurance and Financial Advisors.

License Verified:

License: 372440

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.
4.8
Google
4.8 / 5 (35)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (2)

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
6021 S Syracuse Way., Ste. 207, Greenwood Village, CO 80111
  • Home and Auto Insurance

Why choose this provider?

The DeLuca Agency provides the homes and businesses of Highlands Ranch with insurance solutions. It offers a wide variety of policies, including renters' insurance, which covers a tenant's personal possessions and liability. It also offers insurance for automobiles and luxury homes. In addition to policies for properties, the agency offers life insurance for individuals and families. The company opened its doors in 1996 and is helmed by Steven DeLuca, who has been in the industry for over 25 years.

License Verified:

License: 264179

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.
4.4
Google
4.4 / 5 (40)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
8925 Ridgeline Blvd, Suite 101, Highlands Ranch, CO 80129
  • Multiple Policy Types

Why choose this provider?

Randy E Johnson provides insurance for Highlands Ranch residents. It offers rental dwelling policies that help clients pay for liability claims, property damage, rental income loss due to covered claims, unit repairs, and reconstruction. Its rental condo unit owners insurance includes coverages for liability, loss of the unit, personal property damage, and rent loss. Policies for apartment owners are also available. State Farm has a mobile app that facilitates faster transactions and it is available 24 hours daily.

License Verified:

License: 29973

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.
4.6
Google
4.6 / 5 (27)
Facebook
5.0 / 5 (6)
Yelp
4.2 / 5 (5)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5730 E Otero Avenue, Suite 100, Centennial, CO 80112
  • Home and Auto Insurance

Why choose this provider?

Sam Moore is a second-generation State Farm agent who has been serving clients of the company in Highlands Ranch since 1986. His team provides renters with personalized insurance plans to secure their property in case of loss or damage from theft, fires, and other hazards. It helps clients understand the options before them through proactive and comprehensive advice. In addition to Highlands Ranch, Moore and his team also cater to clients around Centennial, Castle Rock, Denver, and Lone Tree.

License Verified:

License: 38854

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.
4.1
Google
4.5 / 5 (11)

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

Frequently Asked Questions

  • Why do some Highlands Ranch apartment complexes require renters' insurance for their residents?

    Highlands Ranch apartment owners may require renters' insurance to prevent tenants from assuming the owner's insurance covers their personal property and liability. This requirement ensures that tenants have coverage for their belongings and liabilities, which the apartment complex's policy does not provide. Renters insurance is a wise investment regardless of the landlord's requirements because it protects both the owner and the tenant.

  • What are the alternatives for Highlands Ranch residents who cannot afford or choose not to purchase renters' insurance?

    Residents of Highlands Ranch who find renters' insurance to be prohibitively expensive may seek government assistance for coverage or negotiate with landlords to waive the requirement, possibly in exchange for a lower rent. Alternatively, opting for self-insurance by regularly saving funds to replace personal belongings is an option, though it is not usually recommended due to the unpredictability of potential losses. Adequate insurance is generally recommended as a financial safeguard.

  • What does the named perils policy entail for renters in Highlands Ranch?

    A named perils policy under renters' insurance in Highlands Ranch only covers specific incidents specified in the policy, such as fire, theft, or smoke damage. Individuals who opt for this type of insurance may enjoy lower rates, but they face potential challenges when filing claims due to the limitations imposed by the hazards listed in the policy.

  • What is open peril coverage in the context of renters' insurance for Highlands Ranch residents?

    An open peril insurance policy covers a wide range of risks for Highlands Ranch renters, excluding only those specifically mentioned in the policy. Because of its comprehensive coverage, the policy typically has a much higher premium, with the insurer bearing the burden of proving whether a claim falls under an exclusion.

  • How should renters in Highlands Ranch select an insurance policy that aligns with their lease requirements?

    Highlands Ranch renters should work with their insurer to create a policy that protects their interests while also adhering to the terms of their lease. Inquiring about preferred insurance providers from landlords is a good idea because such agreements may result in lower insurance costs. Nonetheless, Colorado has a number of reputable insurance companies that offer coverage options to meet a variety of needs and budgetary constraints.

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