Compare Renters Insurance for Ault Apartments & Multi-Family Homes
Ault has a growing number of renters—many residents live in apartments or multi-family homes—so leases often require proof of renters insurance. We’ll size Replacement Cost for your belongings, add personal liability and loss of use (ALE), and handle landlord certificate wording.
Why Ault Renters Need HO-4 Coverage
Your landlord’s policy won’t cover your belongings or your liability. The building is insured by the owner; your **renters policy** protects your property, your personal liability, and provides a buffer for temporary housing if a covered loss forces you out. The NAIC’s consumer guidance is clear on this point.
Local reality: Ault leases commonly require proof of renters insurance and a named landlord/manager. Weld County also has regulations for rental properties—good to know when you’re moving in.
What Your Ault Renters Policy Can Include
Personal Property (Contents)
- Replacement Cost on belongings (vs ACV depreciation)
- Electronics, furniture, clothing—on and (within limits) off-premises
- Scheduled items for jewelry, fine arts, collectibles
Standard perils include fire/smoke, theft, vandalism, windstorm, and sudden water damage (not flood).
Personal Liability & MedPay
- $300k–$500k typical; higher limits available
- Medical payments to others regardless of fault (limit varies)
- Add a Personal Umbrella for $1M–$10M extra protection
Loss of Use (ALE)
- Hotel/rental & extra costs if a
