Compare Renters Insurance for Broomfield Apartments & Multi-Family Homes
Broomfield is a growing community with a mix of rentals—about 35.6% of homes are renter-occupied—so many leases 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 Broomfield 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: Broomfield leases often require proof of renters insurance and a named landlord/manager. The City also has regulations for rental properties—good to know when you’re moving in.
What Your Broomfield 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 covered loss makes your home uninhabitable
- Critical after fires, burst pipes, or neighbor overflows
ALE follows the HO-4’s covered perils—not civil/lease disputes.
Popular Add-Ons
- Water Backup (sump/sewer backup) for your contents
- Identity Theft expense
- Earthquake (possible in CO but available via endorsement/standalone)
- Equipment Breakdown for covered home systems (varies by carrier)
Basement Apartments & Flood: What to Know
Standard renters policies **exclude flood**. If your apartment is at/below grade—common in some Broomfield areas—check your address on FEMA’s Flood Map Service Center and Colorado’s flood tools. If risk is present, we’ll quote **contents-only flood insurance** (NFIP or private).
Know Your Broomfield & Colorado Tenant Resources
Colorado Tenant Rights (CO Attorney General)
State resources on tenant/landlord rights, including leasing, renewals, repairs, and security-deposit disputes.
Rental Regulations (City of Broomfield)
Broomfield has requirements for rental properties; check local ordinances for compliance.
Colorado Legal Services
Free legal aid for tenants facing eviction or housing issues in Colorado.
Colorado Division of Insurance (DORA)
State insurance department resources, complaint portal, and a renters-insurance consumer guide.
Fire Safety & Inspections
Broomfield Fire Department prevention resources and contacts—good for multi-family safety questions.
