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Landlord insurance in Colorado

Rental coverage built for Colorado property.

Hail, wildfire-driven market pullback, and rising rebuild costs shape coverage here. We are licensed in Colorado and we will make sure your policy holds up.

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Landlord insurance in Colorado covers the building, your liability as an owner, and the rental income on a property you rent out, the same core as anywhere. What is specific to Colorado is the risk picture around it: some of the worst hail exposure in the country along the Front Range, wildfire that has made coverage harder to place in the foothills, wind, winter freeze, and rebuild costs that keep climbing.

What is different about insuring a rental in Colorado

Colorado is hail country. The Front Range sits in one of the most hail-prone corridors in the nation, so the central question on most Colorado rentals is the roof: how it would settle, replacement cost versus actual cash value, and how an aging roof affects both price and coverage. On top of that, wildfire has driven carriers to pull back in foothill areas, much like California, which can make coverage harder to place. Getting the roof settlement and the wildfire response right is most of the job here.

What a standard policy won't cover in Colorado

A standard Colorado landlord policy excludes flood, which is separate, and increasingly treats the roof differently because of hail, often through a separate wind-and-hail deductible or an actual cash value roof settlement. Where wildfire has driven carriers out of foothill areas, Colorado now has a FAIR Plan as the last-resort property option. It is a recent backstop and, like all FAIR Plans, basic property only, so it does not replace a full landlord package. The roof settlement basis and the wildfire placement are the two things to get right here.

How we handle it

We are licensed in Colorado and work the markets still writing here. A review focuses on the roof and hail settlement basis, the wildfire response in foothill areas, and whether your limits keep up with Colorado rebuild costs, then compares the carriers that remain competitive.

Frequently asked

Colorado landlord insurance questions, answered.

Is landlord insurance required in Colorado?
It is not required by state law, but a lender will almost always require it on a financed rental, and going without it leaves the building, your liability, and your income exposed. Most Colorado owners treat it as essential. And if you let coverage lapse, a lender can force-place a policy that protects only their interest, usually at a higher cost.
How does Colorado hail affect my coverage?
Significantly. The Front Range is one of the most hail-prone areas in the country, so the roof is the central issue. Carriers increasingly settle roofs on an actual cash value basis or add a separate roof or wind-and-hail deductible, which can leave a large gap on an older roof. Confirming the roof settlement basis is the most important check on a Colorado rental.
Is coverage harder to get in Colorado wildfire areas?
In foothill and higher-risk areas, yes. Wildfire has driven some carriers to pull back, much like California, which can make coverage harder to place and more expensive. We work the markets that still write in those areas.
Do I need flood insurance in Colorado?
Flood is excluded from standard policies and is separate everywhere. Whether you need it depends on the location and flood zone. Properties near creeks and rivers or in burn-scar runoff areas are worth checking closely.
Does Colorado have a FAIR Plan for hard-to-insure property?
Yes. Colorado established a FAIR Plan as a last-resort property option for buildings that cannot get coverage in the normal market, largely in response to wildfire. It provides basic property coverage only, not liability, so it is a backstop rather than a complete landlord policy. We turn to it when the voluntary market is exhausted and build the rest of the coverage around it.
Compare your coverage

Is your Colorado rental covered for hail and wildfire?

Take two minutes and we will check the roof and hail settlement basis, the wildfire response in the foothills, and your limits, then compare the carriers still competitive here.

We check the roof and hail settlement basis
We look at the wildfire response in foothill areas
We confirm your limits reflect Colorado rebuild costs
You get a clear read from a Colorado-licensed advisor
Related resources

Keep going.

Coverage

Landlord insurance

The core policy and what it covers, nationwide.

Coverage

Vacant and renovation insurance

For Colorado rentals between tenants or under rehab.

Problems

The gaps that cost landlords the most

The five gaps to check on any Colorado rental.

Coverage

What is a FAIR Plan?

The insurer of last resort, what it covers and what it leaves out.

Coverage

Hail and your roof

ACV vs replacement cost, and the wind-and-hail deductible.
Colorado-licensed, investor-focused

Let's make sure your Colorado rental actually fits its policy.

Tell us about the property and we will tell you straight where the gaps are for a Colorado rental.