Renters insurance, $150-$300 a year.
For CSU students, Old Town apartments, and starter rentals across Fort Collins. Covers your stuff, your liability, and a hotel if your apartment becomes uninhabitable. Underwritten in minutes.
- Replacement-cost coverage on personal property.
- $100,000-$300,000 personal liability built in.
- Bundle with auto: most clients save another 5-15%.
- Quotes usually back the same business day.
2023 · 2024 · 2025
two states
of experience
Fort Collins, CO
What renters insurance actually pays for.
Thompson Insurance Agency provides renters insurance for tenants in Fort Collins, Loveland, Windsor, and surrounding Northern Colorado communities. Most NoCo renters policies run $150-$300 a year and cover personal property at replacement cost, personal liability up to $300,000, and additional living expenses if your apartment becomes uninhabitable. The agency has been voted Top 3 in Northern Colorado three consecutive years (2023, 2024, 2025). Licensed in Colorado and Wyoming. To get a quote, call (970) 482-0078.
Most CSU-area landlords now require proof of renters insurance at lease signing. Many parents assume their homeowners policy covers an off-campus apartment - it usually does not. A standalone renters policy is the right answer, and the math is hard to argue with: $20 a month protects $20,000+ in property and unlimited liability exposure.
Four layers that fit how renters actually live.
Renters policies are simpler than auto or home - four core pieces, all of them important. Here's what each layer does and what we usually recommend.
Personal Property
Your stuffEverything you own inside the apartment - clothes, electronics, furniture, kitchen stuff, your bike. Choose between actual cash value or replacement cost. RCV is what we usually recommend; the extra premium is tiny.
Personal Liability
Protects youPays if someone is injured in your apartment, your dog bites a neighbor, or you accidentally damage someone else's property. Includes legal defense. The reason this is core: a single liability claim can cost more than every renters policy you'll ever buy.
Additional Living Expenses (ALE)
Hotel + mealsIf your apartment becomes uninhabitable from a covered loss (fire, water damage), this pays for hotel, restaurant meals, and the extra costs of living elsewhere until you can return. Usually 20-30% of your personal property limit.
Medical Payments to Others
Quick claimsPays small medical bills for a guest injured in your apartment - no fault required. Usually $1,000-$5,000. The point is to handle a small injury without it ever becoming a liability claim.
Built for NoCo renters.
Renters insurance pays off most reliably for three specific groups in Northern Colorado - the policies are nearly identical but the conversation looks a little different for each.
CSU students and recent grads.
Off-campus apartments in Old Town, Campus West, the Aggie, and Avenida Aggie almost always need their own renters policy - parents' homeowners policies generally do not extend that far. Laptops, bikes, and personal property add up faster than students expect.
Old Town and Midtown apartment tenants.
Older Fort Collins housing stock - and the lifestyle that comes with Old Town living - means real liability exposure from guests and a real risk profile from older buildings. Renters policies here are cheap relative to what they protect.
First apartments and young families.
First-apartment renters in Timnath, Wellington, north Loveland, and Severance. Furniture and a car worth of stuff add up to $15,000-$30,000 in personal property faster than people realize. The cheapest insurance you'll ever buy.
Questions we get a lot.
If your question isn't here, call us — we'd rather answer it on the phone than read about it in a help center.
Call (970) 482-0078Renters insurance for Fort Collins, starting under $20/month.
The quote takes ten minutes over the phone or through the form. If you're at CSU or in an Old Town apartment and your landlord just asked for proof of insurance - we can usually bind a policy the same day.
2108 Milestone Dr · Fort Collins, CO 80525