Compare Renters Insurance for Howard Apartments & Multi-Family Homes
Howard is a community in Fremont County—many 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.
Replacement CostPay today’s price to replace your stuff—no depreciation.
Loss of Use (ALE)Covers extra living costs after a covered loss.
Landlord ProofWe add Additional Interest/Insured per your lease; COIs on demand.
Flood?Standard HO-4 excludes flood—use FEMA/CO tools to check risk.
Why Howard 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
