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Renters Insurance

Information You Need

Renters Insurance policies are designed to cover you --the Renter -- in the event of loss to your personal property and protect you in the event you are responsible for injury or property damage to others in your rented Apartment, Home or Condo. An estimated 75% of Renters do not have renters insurance coverage.

Landlords and complexes are now requiring Renters Insurance as a condition to rent.

When getting an insurance quote on your rental, condo or home, consider asking for a quote on an auto policy as well. Often the insurer offers a discount if you carry all your policies with the same company. You might think you don't need Renters Insurance if you rent. Add up the cost of your furniture, your electronic equipment, flat screen television, your CD/DVD collection, computer, garments and other personal items. Can you afford to replace everything in the event of a fire or burglary? Renters Insurance is relatively inexpensive. The average cost of renter's insurance begins about $12 a month for around $30,000 worth of property coverage and $100,000 worth of liability coverage

Renters Insurance can cover the repair or replacement of your personal property damaged, destroyed or stolen as the result of various types of peril -- fire or lightning, windstorm or hail, explosions, smoke, vandalism, theft, damage by glass, electrical surge damage, and water-related damage from home utilities, and more. If your home is made unlivable by one of these perils, Renters insurance can pay for the associated expenses (cost of a temporary residence, meals eaten out, etc.). Coverage is usually limited to a percent of the total value of the policy. Renter's insurance can even cover you for personal possessions that don't happen to be in the apartment at the time of the loss

Many renters are under the impression that their landlord's policy covers their belongings as well. That's not the case, and they often don't find that out until after a disaster or a robbery. Your landlord's policy doesn't cover anything that's yours. The only exception to this would be if the loss was caused by negligence on the part of your landlord, and then you would still have to prove it in court. This is where Renters Insurance comes in.

We recommend you contact your present insurance company (perhaps the insurance company that provides insurance coverage on your vehicle). If you need help, we at Stars & Stripes Homes, Inc. will be happy to refer you to an agent! Below are Insurance Agents our clients have been pleased with:

American Family Insurance logo

Priscilla Duran-Madero, American Family Insurance

4090 S. Parker Road, Suite 200, Aurora, Colorado 80014

Office: 303-680-0499

State Farm Insurance logo

John Baer, State Farm Insurance

22958 Smoky Hill Road, Aurora, Colorado 80016

Office: 303-680-7777

Think you don't need renters insurance?
Think again!


Your apartment just got ripped off. Can you afford to replace your plasma TV, laptop, & other valuables? Your car window's been smashed. Your cell phone, CD collection & sports equipment are gone. Who's going to pay for it?


Lightning strikes your apartment and damages your microwave. Renters insurance will replace it.Your coffeemaker catches fire & smokes up your place. Renters insurance pays for the clean up.


Your friend slips and falls in your apartment and breaks her leg. Don't worry, you're covered. Your mailman comes in for some tea and cuts his lip on the broken cup. Don't worry, you're covered.