Landlord Liability Insurance

Protect Your Investment: Landlord Liability Insurance in Colorado

As a landlord, your property is more than an asset—it’s a source of income and financial security. At Preferred Choice Insurance, we provide tailored landlord liability insurance to safeguard Colorado property owners from risks like tenant injuries, property damage, and legal claims. Whether you own a single rental unit or multiple properties, we’ve got you covered.

Answers to Your Landlord Liability Insurance Questions

  • What does landlord liability insurance cover?

    It covers liability for injuries or property damage occurring on your rental property, as well as legal defense costs for covered claims.

  • Is landlord liability insurance required in Colorado?

    While not legally required, it’s highly recommended to protect against lawsuits and financial losses.

  • Does it cover tenant-caused damage?

    No, tenant-caused damage is usually excluded, but you can require tenants to carry renters insurance to protect their belongings and reduce your risk.

  • Does it cover natural disasters?

    Standard policies typically exclude floods and earthquakes, but additional coverage can be purchased to address these risks.

  • Can it cover legal fees?

    Yes, most policies include coverage for legal fees and settlements related to covered liability claims.

  • Does landlord insurance cover loss of rental income?

    Loss of rental income is not part of liability coverage but can be added through business interruption insurance or a rental income endorsement.

What Our Landlord Liability Insurance Can Do for You

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Liability Protection

Covers medical expenses, legal fees, and damages if someone is injured on your rental property.

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Property Damage Coverage

Protects you from costs related to tenant or visitor damage to shared spaces or structures.

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Legal Defense Costs

Provides coverage for attorney fees and settlements if a tenant or visitor sues you for a covered incident.

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Optional Add-Ons

Customize your policy with additional coverage for natural disasters, vandalism, or loss of rental income.

Get Your Free Landlord Liability Insurance Quote Today

Protect your properties and your peace of mind. Contact us today or request a free quote online to find the perfect landlord liability insurance policy for your needs in Colorado.