Lemonade Renters Insurance in Fort Collins, CO
Renting near Old Town? Protect your stuff with Lemonade renters insurance in Fort Collins from just $10/month.
What does Lemonade renters insurance in Fort Collins protect against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). Here’s a closer look at what is (and isn’t) covered:
- Fire & smoke damage
- Theft & break-ins
- Clothes & shoes
- Jewelry & watches
- Your laptop & electronics
- Books & collections
- Wind & hail damage
- Art & musical instruments
- Kitchen appliances & gadgets
- Furniture & home decor
- Sports equipment & bikes
- Water damage from burst pipes
Not covered: floods, normal wear & tear, your roommate’s stuff, or getting mad at the Rams & punching your TV.
What does renters insurance cover in Fort Collins?
It’s not just about your stuff, renters insurance also covers:
Personal liability
Someone slips at your pool party? We’ve got the medical bills and potential lawsuits covered
Loss of use
Burst pipe makes your place unlivable? We’ll cover hotel costs above what you normally spend
Medical payments
Guest cuts themselves on broken glass? We’ll handle the cost of their ER visit
Want to learn more about what renters insurance covers (and what it doesn’t)? Check our coverage guide.
How much does renters insurance cost in Fort Collins?
As of 2025, Lemonade renters insurance in Fort Collins typically averages between $10 and $15 per month. Factors like your location, how much coverage you select, and your deductible determine how much you’ll pay.
Customers love Lemonade Renters insurance
Our customers rate Lemonade renters insurance 4.9 on Trustpilot. Don’t just take our word for it, check out what they’re saying.
How does Lemonade protect Fort Collins renters?
Protection built for mountain life and city risks
Hail storm protection
Wind, hail, and (some) water damage when Colorado's severe thunderstorms hit
Protection against theft
We'll cover your electronics whether it's a break-in or grab-and-go
Wildfire displacement
Evacuation keeping you out of your place? We've got you covered
How much renters insurance do you need in Fort Collins?
The right amount depends on what you own and your lifestyle.
Here’s how to calculate what you need.
Personal property coverage
You can choose anywhere from $10,000 to $250,000 in coverage. Walk through your Fort Collins rental and add up what it would cost to replace everything: furniture, electronics, clothes, kitchen items, and personal belongings. That sum should be your personal property coverage limit.
Read moreLoss of use coverage
Coverage ranges from $3,000 to $200,000. Think about how much you’d spend on temporary housing, meals, and other expenses if your rental became unlivable due to covered damage. Spending just one week in a Fort Collins hotel will run you $1,065*, so factor in your local costs.
Read morePersonal liability coverage
Lemonade’s standard $100,000 covers medical bills and legal fees if someone gets hurt in your rental or if you accidentally damage someone else’s property. Your landlord will probably specify how much you need, so pay attention to your lease requirements.
Read moreHow to save on renters insurance rates
Renters insurance is generally quite affordable, but there are still some ways you can save
Bundle
Combine renters with car or pet insurance for instant multi‐policy discounts. (Plus, you can manage your policies in one place)
Pay in full
Pay your full premium upfront to avoid monthly fees and earn up to a 5% annual payment discount.
Security devices
Fire alarms and security systems can lower your rate. Check what safety features your rental has, you might already qualify.
Who needs renters insurance in Fort Collins?
Renters insurance is one of the smartest investments any renter can make. Here’s how a handful of Fort Collins residents benefit from coverage:
CSU students
College is expensive enough without replacing stolen laptops or textbooks. Your landlord’s insurance won’t cover your belongings, but renters insurance will, including that bike you use to get around campus and your snowboard for weekend trips. Plus, you’re covered if someone gets injured during study sessions at your place.
Brewery workers
Working at New Belgium, Odell Brewing, or other local breweries means you’re part of Fort Collins’ famous craft beer scene. Renters insurance protects your personal belongings, furniture, and electronics from theft or damage. Plus, liability coverage protects you when hosting brewery colleagues for tastings at your place.
Tech professionals
Working in Fort Collins’ growing tech corridor means you have valuable personal electronics at home. Renters insurance protects your gaming systems, furniture, and belongings from theft or damage, plus covers liability if colleagues visit your place. It’s smart protection for Northern Colorado’s tech hub.
Outdoor enthusiasts
Living in Fort Collins means easy access to hiking, skiing, and outdoor adventures. Renters insurance protects your gear, electronics, and furniture when you’re away on weekend mountain trips. Plus, liability coverage protects you when fellow adventurers visit to plan the next outdoor excursion.
Young professionals
Your laptop, furniture, and professional wardrobe are investments in building your career in Colorado’s innovative economy. Renters insurance protects them from theft and covers liability if someone gets hurt in your space. For less than your monthly brewery tab, you’re protected.
What’s the best renters insurance in Fort Collins?
We might be biased, but Lemonade was designed to shine for Fort Collins 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
Fort Collins Renters: By the Numbers
Real data from our customers:
Fort Collins Renters Insurance FAQs
What's the average cost of rent in Fort Collins?
According to Zumper*, the average cost of rent in Fort Collins is $1,800. However, the average cost of rent varies widely depending on where you live, and the type of home your renting. Here’s a look at how the average cost of rent changes in Fort Collins based on your property type:
- Apartment: $1,425
- Condo: $1,695
- House: $2,495
How does renters insurance work in Fort Collins?
Lemonade harnesses the power of tech to make the process of filing a renters insurance claim, and getting reimbursed, stress-free. Here’s how the renters insurance claims process works for Fort Collins residents:
- Document damage: When disaster strikes in Fort Collins, make sure to take clear photos or videos of any damage to your belongings, this documentation will help support your claim.
- File a claim: Open the Lemonade app and file your claim in minutes by chatting with AI Jim and providing the necessary details about your loss or damage.
- Get reimbursed: For eligible claims, receive your money directly in your bank account.
What information do I need to get a renters insurance quote?
Getting a renters insurance quote takes just a few minutes. You’ll need:
- Your rental address and move-in date
- An estimate of what your belongings are worth
- Your preferred deductible amount
- Basic details about your rental (apartment, house, or condo)
- Any security features like fire alarms or security systems
Most quotes take under 5 minutes, and you can adjust your coverage anytime through the Lemonade app.
Are my textbooks covered if stolen on campus at Colorado State University?
Yes, your textbooks are covered if stolen from your dorm, the Morgan Library, or anywhere on CSU’s campus. Your renters insurance protects personal property whether you’re studying at the Lory Student Center or your books get snatched from your backpack. According to the CSU Cost Estimator, the average cost of books and supplies is $1,200. Coverage for expensive textbooks and electronics is especially valuable for CSU students.
Are my belongings covered if wildfire smoke damages them in Fort Collins?
Yes, smoke damage from wildfires is typically covered under your Fort Collins renters insurance. If your furniture or electronics are affected by smoke from nearby foothills or forests, your personal property coverage applies. This is especially important for renters, as Fort Collins has a major risk of wildfire with 48,657 properties that have some risk of being affected over the next 30 years.
All coverage is subject to individual policy limits, terms, and conditions. Certain items mentioned in this article, including electronics, jewelry and watches, art and musical instruments, and some collections, are subject to sub—limits under standard renters insurance policies and may need to be scheduled separately for full protection. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim. The costs shown in this article are based on internal Lemonade data as of January, 2025. Claims data is sourced from internal Lemonade data as of August 2025. Average costs of hotel stays sourced from https://www.budgetyourtrip.com/search.php. Average cost of rent sourced from Zumper as of August 2025 https://www.zumper.com/
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