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2025

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Best Renters Insurance Companies in Fort Collins, CO

Our Recommended Top 4

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 Fort Collins renters insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

53Reviewed

33Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Renters Insurance Companies Serving Fort Collins
2627 Redwing Road, Suite 160, Fort Collins, CO 80526
Visit WebsiteLicense: 142907

Expertise.com Rating

Review Sources

Google
4.0 (14)
Facebook
5.0 (1)

Why choose this provider?

Insurance Specialties is an independent agency that has been assisting clients in the community of Fort Collins and the surrounding areas since 1989. The business offers a wide range of insurance products, such as renters', seasonal and investment properties, homeowners', condo owners, and full-time RV insurance. Its team of agents collaborates with dozens of insurance companies to provide the right coverage with personal support to its customers. In addition, Insurance Specialties handles toys insurance that includes ATV, Segway, golf cart, jet ski, and marine watercraft.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Fort Collins
2121 Midpoint Drive, Fort Collins, CO 80525

Expertise.com Rating

Review Sources

Google
4.0 (112)
Facebook
5.0 (19)
Yelp
4.5 (7)

Why choose this provider?

Ben Parsons is a State Farm insurance agent serving Fort Collins since 2002. He provides renters' insurance for the protection of different valuables such as computers, clothing, TVs, bicycles, and furniture. The policy covers different types of places for renters like apartments, condominiums, or rental homes. Identity theft coverage is also available as additional protection under renters' insurance plans. Parsons also offers pet, life, and business insurance. Moreover, he participates in conducting food and clothing drives with the Fort Collins Rescue Mission.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Fort Collins
2350 East Harmony Road, Fort Collins, CO 80528
Visit WebsiteLicense: 626509

Expertise.com Rating

Review Sources

Google
5.0 (54)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Brightway Insurance is an insurance agency that provides its services to clients in Fort Collins and the surrounding communities. It offers a wide range of insurance products which include home, auto, flood, life, renters, motorcycle, and umbrella. Renters' insurance usually provides coverage for personal property, liability, and loss of use. Agents in Brightway Insurance will assist clients in finding the renters' insurance policy that is appropriate for their needs and budget. Clients may also opt to add the replacement value with their policies.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Fort Collins
155 East Boardwalk Drive, Fort Collins, CO 80525
Visit WebsiteLicense: 605582

Expertise.com Rating

Review Sources

Google
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

U.S. Insurance Quotes, LLC, is a local insurance brokerage firm catering to the needs of Fort Collins residents. The company delivers renters' insurance that can provide additional protection for the insured's personal belongings in times of calamity. The team uses an online tool that allows clients to compare multiple coverage options from different providers throughout the country. The company also offers homeowners', auto, motorcycle, and RV insurance. Established in 2008, the firm is licensed to operate in Arizona, Colorado, and Nevada.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Renters Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Insurance Specialties
2627 Redwing Road, Suite 160, Fort Collins, CO 80526
Ben Parsons
2121 Midpoint Drive, Fort Collins, CO 80525
Brightway Insurance
2350 East Harmony Road, Fort Collins, CO 80528
U.S. Insurance Quotes, LLC
155 East Boardwalk Drive, Fort Collins, CO 80525

Fort Collins, CO Renters Insurance FAQs

  • What is the average annual renters’ insurance rate in Fort Collins?

    Renters' insurance in Fort Collins costs about $165 a year on average, making it one of the least expensive places in Colorado to get this coverage. When it comes to cheap renters' insurance plans, State Farm has policies starting at $127 a year, while Travelers and Allstate both offer coverage for $129 a year.

  • How do Fort Collins residents qualify for renters' insurance discounts?

    Renters in Fort Collins can take advantage of discounts provided by certain carriers by using online payment methods and electing to receive their bills via email rather than paper copies. Renters who make annual full payments or who have a clean renters' insurance claim history are also eligible for these discounts.

  • What are the most important forms of renters’ insurance coverage in Fort Collins?

    The most important types of renters' insurance in Fort Collins are liability and personal property protection. When a policyholder's rented property or other people are damaged or injured, liability coverage comes in handy. In terms of personal property protection, renters can file theft-related claims with this coverage. It also makes it easier to replace personal belongings damaged by incidents such as fire or other covered events.

  • What are the optional renters’ insurance coverages available to Fort Collins residents?

    Individuals living in Fort Collins have the choice to enhance their basic renters' insurance with special coverage for personal property, which protects against the loss or misplacement of personal belongings. Renters can also opt for scheduled personal property coverage, which offers protection for valuables like jewelry, recreational vehicles, and watercraft.

  • What is loss of use coverage in the context of renters’ insurance in Fort Collins?

    Loss of use coverage, a component of renters' insurance, benefits tenants when their rented properties in Fort Collins become uninhabitable due to a covered peril. It is also known as additional living expenses coverage, and it assists renters in recovering from a loss that would otherwise necessitate out-of-pocket payments.

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