Compare Renters Insurance for Severance Apartments & Multi-Family Homes
Severance is a growing community in Colorado—many residents rent homes in this area—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/Colorado tools to check risk.
Why Severance 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
