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Colorado Springs, Colorado
Your landlord's insurance covers the building. It covers nothing you own, nothing you break, and nowhere for you to sleep if the unit burns. Most renters policies here run less than a streaming subscription.
What's different here
Privatized base housing at Fort Carson, Peterson and Schriever does not insure your belongings. Off-base, most Colorado Springs landlords now require proof of renters coverage at lease signing. Either way, you need your own policy.
Renters insurance won't cover your car — that's your auto policy's comprehensive — but it does cover the TV, laptop and bike in the apartment when the roof leaks after the storm.
The dog bites a neighbor at Palmer Park; a guest slips on your stairs. Personal liability on a renters policy covers it, and it can be bundled with auto for a discount that usually pays for the policy.
Our checklist
Questions we get
Typically $12–25 a month for $30,000 of belongings and $100,000 of liability. Bundled with auto it's often close to free after the discount.
No. The landlord's policy covers the structure. Your belongings, your liability and your temporary housing are yours to insure.
Not by law, but most leases require it, and privatized military housing strongly recommends it because the housing office's coverage doesn't extend to your property.
Only if they're named on the policy. Each unrelated roommate needs their own policy or must be listed.
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