⭐ Renters Insurance in Fort Collins, Colorado

Simple, Affordable Protection for Apartments, Condos & Rental Homes in Fort Collins

Fort Collins is one of Colorado’s most desirable places to live — with a vibrant Old Town, strong job market, Colorado State University, outdoor access, and a fast-growing rental community. Whether you're living near CSU, in Old Town, Fossil Creek, Rigden Farms, Harmony Corridor, or anywhere in Larimer County, renters insurance is one of the easiest ways to protect your personal belongings and your peace of mind.

ColoradoRenters.com makes it simple. Complete a quick online form and a local Colorado advisor will follow up with your personalized quote.

👉 Get Your Fort Collins Renters Insurance Quote

🏠 Why Renters in Fort Collins Need Insurance

Fort Collins has a wide mix of renters — from students and professionals to families and long-term residents. With older homes, new multi-unit buildings, and rapidly expanding developments, renters face risks that make insurance essential.

1. Older Housing Mixed with New Construction

Older homes near Old Town and CSU often have:

• Aging pipes

• Electrical issues

• Higher risk of water damage

Newer apartments can still experience:

• Fire spread between units

• Smoke damage

• Appliance malfunctions

Renters insurance protects your belongings regardless of where the issue starts.

2. Colorado Weather Always Brings Surprises

Fort Collins experiences:

• Hail

• Snowstorms

• Freezing temperatures

• High winds

• Occasional wildfire smoke

Your landlord’s policy does not cover your personal property — renters insurance does.

3. Theft & Break-ins

Bike theft is common around CSU and Old Town. Renters insurance protects belongings even if they’re stolen from your home, car, or while you’re away.

4. Liability Protection

If someone gets hurt visiting your home, you could be financially responsible.
Renters insurance includes personal liability coverage for unexpected accidents.

🔐 What Renters Insurance Covers

A standard Fort Collins renters insurance policy may include:

✔ Personal Property Coverage

Protect your belongings from fire, theft, vandalism, water damage (non-flood), and more.

✔ Liability Coverage

Covers accidental injuries or damages you cause to others.

✔ Loss of Use

Helps pay for temporary housing if your rental becomes uninhabitable.

✔ Medical Payments

Covers minor injuries that occur in your home.

Policies can be customized based on your needs, neighborhood, lifestyle, and budget.

📍 Areas We Serve in Fort Collins

We provide renters insurance quotes throughout Fort Collins and surrounding areas, including:

• Old Town

• Colorado State University (CSU) area

• Midtown

• Harmony Corridor

• Fossil Creek

• Rigden Farms

• Warren Park

• Huntington Hills

• Southeast Fort Collins

• North Fort Collins

• Laporte

• Timnath

• Windsor (nearby)

• Loveland (nearby)

If you rent anywhere in the Fort Collins, Windsor, or Loveland region, we can help.

⭐ Why Choose ColoradoRenters.com for Fort Collins Renters Insurance?

Local Colorado Advisors

You’ll work with a real Colorado-based insurance advisor — not a call center or automated bot.

Fast, Simple Process

Just fill out a short form. A licensed advisor will follow up with accurate, personalized pricing.

Honest Guidance

We help you understand your options and get the coverage you actually need.

Trusted by Renters, Students & Landlords

We work with renters across Fort Collins, along with property managers, landlords, and student housing providers.

🚀 Get Renters Insurance in Fort Collins Today

Start your quote online and a local advisor from Apex Insurance Group will reach out with your customized coverage options.

👉 Get Your Renters Insurance Quote