Compare Renters Insurance for Gardner Apartments & Multi-Family Homes
Gardner is a community with many renters—Colorado’s rural areas often have a mix of ownership, but leases frequently 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 Gardner 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: Gardner leases commonly require proof of renters insurance and a named landlord/manager. Colorado also emphasizes tenant rights through state resources—good to know when you’re moving in.
What Your Gardner 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).
