Compare Renters Insurance for Black Hawk Apartments & Multi-Family Homes
Black Hawk features a mix of historic and modern rentals—about 60% of residents rent—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 Black Hawk 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: Black Hawk leases commonly require proof of renters insurance and a named landlord/manager. The City also has requirements for rental properties—good to know when you’re moving in.
What Your Black Hawk 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).
