Compare Renters Insurance for North Washington Apartments & Multi-Family Homes
North Washington is a renter-majority area—many residents rent in this Denver-adjacent community—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 North Washington 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: North Washington leases commonly require proof of renters insurance and a named landlord/manager. The City of Denver also requires landlords to register rentals and maintain habitable conditions—good to know when you’re moving in.
What Your North Washington 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)
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