Renters Insurance Quotes

Insurance for Colorado Renters

Renting a home or apartment is a very common thing in Colorado. Especially in a college town like Ft. Collins. People move from place to place and they take all of their important belongings with them. Wherever you go, it is important to take a renters insurance policy with you.

Why do I need a renters insurance policy?

A myriad of things can happen when you live in a rental situation, and not all of them are desirable. If you live in an apartment complex there are tons of things that can happen.

• Your upstairs neighbors can have a leak and cause water damage and mold in your place.
• A burning candle can start a fire in your apartment and cause extreme damage to other apartments and the entire building
• Someone could slip and fall on your walkway
• Frozen pipes can burst and cause water damage
• Theft and burglary can happen too

Did you know that a majority of Auto Insurance Carriers give a "responsible residence" discount when you carry renters or homeowners insurance even with a different company? You may be eligible for larger discounts on multiple policies if purchasing any combination of: auto insurance, homeowners insurance, renters insurance, farm and ranch insurance from the same carrier. Be sure to ask us how this works.

If you rent a house, condo or town home these situations may be a bit different but in any case, its much better to be prepared.

Get your renters insurance quote started today!

What is covered?

The best illustration of what is considered "personal property" and covered by a Renters Insurance Policy, is to take the roof off of your apartment and tip it upside down (theoretically of course!). What ever falls out is your personal property and would be covered by your Renters Insurance - that is all personal property and items that are not attached to the walls or floor of the building.

Our coverage insures you from loss due to vandalism, robbery or even a fire. We can also cover you from the injury of another person or damage to their property, whether this occurred in your residence or not.

Renters Insurance covers your property anywhere in the world. So, if your car gets broken into on a family trip, or your luggage gets stolen from the airport, you are able to recover your losses.

Why should I get a renters insurance policy from the Joel S. Miller Agency?

We do business differently than other agencies in town. When you work with us, you are much more than just a policy number. We really get to know our insureds and do everything we can to make sure their insurance needs are met, what they value is properly protected, and that we work together to ensure our local community is very strong.

We are active in our local Ft. Collins / Loveland community. Our agency gives back as much as possible. We support local educational organizations, churches, non-profits and donate our time to causes we believe in. Causes that will continue to make our community a wonderful place to raise a family and a great place to live, work and play. To learn more about the specific things we do to support our local community, visit our Community Activities page.

Easy ways to save money (and energy) in your rental home:

At the Joel S. Miller Agency we want you to be safe, warm and happy in your rental home. Here are a few suggestions for saving money and energy at home, which will allow you to spend more money on doing things you enjoy.

• Turn your water heater down a few degrees (if you go on vacation, turn it way down and turn back up when you return)
• Use thick curtains on your windows to keep the cold air out and the warm air in
• Replace your regular light bulbs with Compact Fluorescent Lights (CFL's) - these use less energy and last for years
• Make bulk purchases when possible (rice, grains, nuts, paper towels, TP, etc) - saving many trips to the store
• Unplug your appliances when not in use
• Turn down your thermostat when you are sleeping and when you are away from home (or get a programmable one that does it automatically)
• Check out books and movies from the local library instead of purchasing them new. If you really must own it, try to buy it used

We at the Joel S. Miller Agency want you to get the most out of life, whether you rent your home or you own it. If you are looking for an insurance agency where you are way more than just a policy number, you have found the right place for you. Give us a call today.

To have us provide a quote for any of these services, please call us directly at (970) 593-0619 or you can use the online quote request form and we will get right back with you.