Renters insurance through Sierra Insurance Group costs as little as $12 a month and does two things at once — it protects your belongings and your liability, and it qualifies you for a GEICO multi-policy discount on your auto insurance. If you rent in Denver or anywhere in Colorado and already have GEICO auto, adding renters coverage is one of the smartest moves you can make.
A renters policy protects more than you think — and it costs less than most people expect.
Covers your furniture, electronics, clothing, and other belongings if they are damaged or stolen. This applies inside your apartment and in many cases while you are traveling too.
If someone is injured in your rental or you accidentally damage someone else's property, your renters policy covers legal costs and medical bills up to your policy limit.
If your rental becomes uninhabitable due to a covered event like a fire or burst pipe, your policy helps pay for temporary housing and living costs while repairs are made.
If your apartment is broken into or your belongings are stolen from your car, renters insurance covers the loss. Colorado has one of the highest vehicle theft rates in the country — this coverage matters.
Adding renters insurance to your GEICO auto policy earns you a 3% to 6% multi-policy discount on your car insurance. In many cases, the auto savings offset most of the renters premium.
Many Denver landlords now require renters insurance as a condition of your lease. Having a policy in place before you sign means one less thing to worry about on move-in day.
Renters insurance through Sierra Insurance Group starts around $12 per month, depending on your coverage limits and location. Most Colorado renters pay between $12 and $25 per month for solid protection.
Generally, no. Renters insurance covers the named insured and immediate family members. If your roommate wants coverage, they would need their own policy. We can set that up at the same time and make sure both policies are bundled correctly with your auto coverage.
Yes. A renters policy qualifies for the same multi-policy discount as a home policy. When you carry both renters and auto through Sierra Insurance Group, you earn a 3% to 6% discount on your GEICO auto premium.
Renters insurance covers damage from many causes including fire, smoke, wind, hail, and burst pipes. Flood damage from rising water is typically excluded and requires a separate flood policy. Hail that damages your belongings inside your apartment — like breaking a window and damaging electronics — is generally covered.
We can have a policy in place within a day, often the same day you call. We will provide a declarations page that you can give to your landlord as proof of coverage. If your landlord has specific requirements for liability limits, we will make sure those are met.
Close to half of Denver's population rents, and that number is even higher in neighborhoods like Capitol Hill, Uptown, and the Highlands. If you are one of them, renters insurance is one of the cheapest and most useful policies you can carry. Through Sierra Insurance Group, a renters policy runs between $15 and $25 per month depending on your coverage limits and location. That covers your personal property — furniture, electronics, clothing, kitchen gear — against theft, fire, smoke, vandalism, and certain weather events. It also includes liability coverage, typically starting at $100,000, which protects you if someone gets injured in your apartment or if you accidentally damage someone else's property.
Colorado-specific risks make renters insurance more important here than in many other states. Denver averages several significant hailstorms per year, and while your landlord's insurance covers the building, it does not cover your belongings if hail breaks a window and rain soaks your living room. Property crime is another factor — Denver sees over 41,000 property crimes annually, including vehicle break-ins and apartment burglaries. If your laptop, bike, or camera gear gets stolen, renters insurance reimburses you up to your policy limit. Loss of use coverage is the piece most people overlook: if a fire or burst pipe makes your unit uninhabitable, your policy pays for a hotel, meals, and other temporary living costs while you find a new place or wait for repairs.
The financial math on renters insurance gets even better when you pair it with a GEICO auto policy. The multi-policy bundle discount of 3% to 6% on your auto premium often offsets most or all of the renters premium. You end up with significantly more protection for roughly the same monthly spend. Many Denver landlords now require proof of renters insurance before handing over keys, so having a policy ready before you sign a lease saves time and removes a move-in hurdle. Sierra Insurance Group can usually have your renters policy active the same day you call. Visit our renters insurance page for more details, or call 303-824-3430 to get a quote in English or Spanish.
I started Sierra Insurance Group to help Denver families find coverage that actually fits — at a price that makes sense. We take the time to understand your situation and match you with the right protection, not just the first quote.
