Your Denver renters insurance offers protection for your personal property and can also be a big help should you be sued or require to cover medical expenses for others on your property.
Wouldn’t my landlord’s insurance cover me as well?
It is highly unlikely for your landlord’s insurance to cover your personal property and serve as an alternative for renters insurance in Denver. When moving into a new apartment or condo, you may think that whatever happens, it’s not your responsibility as you do not own the unit.
However, what a rent arrangement actually means in terms of insurance is that the structural damage having to do with the actual space, such as hail damage to the roof or water damage to the hardwood floors or a bedbug infiltration may be covered, but your personal property is not.
It’s only through consulting with a professional Denver a renters insurance provider that you would be able to protect your furniture damaged by the leaking roof, your laptop that sat on the hardwood floor at the time of the pipe burst, or your favorite sofa during pest problems.