Compare Renters Insurance for Strasburg Apartments & Multi-Family Homes
Strasburg is a growing community with many rental options—rental properties are common in this area. 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 Strasburg 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: Strasburg leases commonly require proof of renters insurance and a named landlord/manager. The area follows Colorado state regulations for rentals, including tenant rights and property standards.
What Your Strasburg 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
