Lemonade Renters Insurance in Colorado
Renters insurance that actually makes sense.
Protect your stuff in Colorado for as little as $5/month
What does Lemonade renters insurance in Colorado protect me against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). A standard renters insurance policy in Colorado covers perils like:
- Smoke
- Riots
- Theft
- Freezing
- Explosion
- Vandalism
- Aircraft
- Vehicles
- Fire or lightening
- Windstorm or hail
- Falling objects
- Volcanic eruption
What does Lemonade renters insurance cover in Colorado?
Renters insurance in Colorado helps protect your belongings from unexpected events, and covers you if you accidentally damage someone else’s property or cause injury
Personal property coverage
We’ll help replace what you own if it gets stolen, damaged, or destroyed by a covered event
Temporary living expenses
Hotel bills, meals, laundry? We’ve got you covered if your place becomes temporarily unlivable
Personal liability & medical bills
Accidents happen. We’ll help cover medical bills and legal costs if someone gets injured at your place
How does Lemonade protect Colorado renters?
Protection built for mountain life and Front Range risks
Theft protection
With the 3rd highest property crime rate, your items are covered whether it’s a break-in or grab-and-go
Wildfire displacement
CO wildfires burned over 200,000 acres in 2025. If you’re evacuated we’ll cover your hotel stays
How much does renters insurance cost in Colorado?
As of 2025, Lemonade renters insurance in Colorado typically averages between $10 and $15 per month. That’s less than your monthly coffee budget for protection that could save you thousands. How much you actually pay will depend on factors like your location, how much coverage you select, and your deductible.
| City | Average monthly cost |
|---|---|
| Aurora | $10 to $15 |
| Fort Collins | $10 to $15 |
| Denver | $10 to $15 |
| Colorado Springs | $16 to $20 |
How can I lower my renters insurance rate?
Renters insurance is generally quite affordable, but there are still some ways you can save
Bundle
Unlock discounts when you bundle your Lemonade Renters policy with our car or pet insurance
Security devices
Earn discounts if your rental property has fire or burglar alarms
Pay in full
Save even more when you pay your annual premium upfront rather than month-to-month
How does my coverage impact my premium?
More coverage means higher premiums, but it’s important to have enough protection in case the worst happens. Check how your personal property limit and deductible can impact your estimated premium in Colorado
What’s the best renters insurance in Colorado?
We might be biased, but Lemonade was designed to shine for Colorado renters
All in the app
Get a quote, manage your policy, and file claims, all from your phone
Coverage for you
Pick exactly what you need. No cookie-cutter policies
Claims paid fast
Most claims get handled in minutes, not weeks
How much renters insurance coverage do I need in Colorado?
Here’s some tips to help you understand how much renters insurance you need
| Coverage | What are my options? | How much do I need? |
|---|---|---|
| Personal property | $10,000 to $250,000 | The total cost of all your belongings, rounded to the nearest $10K |
| Loss of use | $3,000 to $200,000 | Estimate extra living costs if covered damage makes your rental unlivable |
| Personal liability | Standard limit of $100,000 | Check your lease details, your landlord will probably require a minimum |
Colorado renters insurance FAQs
Is renters insurance required in Colorado?
No, there’s no federal or state law requiring you to get renters insurance, but it is required by law that you comply with your lease. So, if those terms include having renters insurance, you need to make sure you’re covered.
Most landlords and property managers require you to provide proof of your renters insurance policy before you sign your lease. Sometimes, they’ll also ask for proof of insurance each time you renew your lease. Your landlord may even require you to list them on your policy as an interested party so that they’ll be notified if you cancel your policy.
Can I insure high-value items like jewelry or art?
Yes! Lemonade’s Extra Coverage provides enhanced protection (and zero-deductible claims!) for high-value items—like jewelry, cameras, bicycles, or art worth $350 or more. You’ll also be covered for accidental damage or mysterious loss, which a standard renters policy won’t cover.
Is my winter sports equipment covered under Colorado renters insurance?
Yes! Your skiing and snowboarding equipment is covered under your personal property coverage. So whether someone snatches your gear from your car while you’re shredding in Vail, a pipe bursts in your Aspen Airbnb and soaks your equipment, or thieves steal your skis from your hotel room while skiing abroad, you’re covered.
However, expensive items like high-end ski equipment might hit coverage limits for certain categories. If you have thousands of dollars worth of gear, consider adding Extra Coverage.
Are wildfires covered under renters insurance in Colorado?
Yes, wildfire damage is covered under Colorado renters insurance, including Lemonade policies. Your personal belongings and additional living expenses are protected if a wildfire makes your rental uninhabitable due to damage or evacuation .
This coverage is especially important for Colorado renters. As of August 2025, five active wildfires across western Colorado have already burned over 150,000 acres, roughly 234 square miles, with mandatory evacuations affecting multiple counties including Rio Blanco, Garfield, Routt, and Dolores.
Does Colorado renters insurance cover hail damage to my belongings?
Yes, hail damage is covered under your Colorado renters insurance policy. Whether a severe hailstorm shatters your windows and damages your furniture, or hail breaks through your roof and ruins your electronics, your personal property coverage protects you.
This coverage is crucial for Colorado renters, as Colorado leads the nation in hail frequency, with hail season running from April through September. The devastating May 8, 2017 Denver hailstorm alone caused an estimated $2.3 billion in damage, making it the state’s most expensive catastrophe in history.
This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average renters premiums as of January, 2025. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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