Owning a rental property in Colorado can be a great investment — but it also comes with real risks that a standard homeowners policy simply wasn’t designed to cover. Landlord insurance fills that gap. At Aloha Insurance Co, we help rental property owners across Westminster, Thornton, Northglenn, Arvada, Broomfield, and the North Denver metro find the right landlord insurance for their investment properties.
What Is Landlord Insurance?
Landlord insurance — also known as a rental property policy or dwelling fire policy — is designed specifically for property owners who rent out their homes, condos, or multi-family units to tenants. It covers the property, your liability as a landlord, and your rental income in ways that standard homeowners insurance does not.
What Does Landlord Insurance Cover?
Dwelling Coverage — Protects the structure of your rental property from covered perils like fire, wind, hail, and vandalism.
Liability Coverage — Protects you if a tenant or visitor is injured on the property and files a lawsuit.
Loss of Rental Income — Covers lost rental income if the property becomes uninhabitable due to a covered loss, such as a fire or significant storm damage.
Other Structures — Covers detached garages, fences, and other structures on the rental property.
Personal Property (Optional) — Covers appliances, furnishings, or equipment you provide to tenants.
What Landlord Insurance Does NOT Cover
Landlord insurance typically does not cover your tenants’ personal belongings. Encourage your tenants to purchase their own renters insurance policy — it’s affordable and protects everyone.
Colorado Rental Market Considerations
Colorado’s Front Range rental market is active and growing. With that comes increased exposure for landlords — from tenant liability claims to hail damage on unoccupied properties. Having the right landlord insurance is essential.
Why Aloha Insurance Co?
We shop multiple carriers including Geico, Allstate, Liberty Mutual, National General, Foremost, Bristol West, American Modern, and more. Serving landlords across Westminster, Thornton, Northglenn, Arvada, Broomfield, and the North Denver metro area.
???? Call us today for a free landlord insurance quote.
Disclaimer:
Coverage and carrier availability vary by eligibility. Not a guaranteed quote or binding coverage. Not all products available in all states.
