Mile High Home Group – Welcome to Denver

Colorado requires landlords to carry property insurance covering the building structure and liability, plus optional but essential landlord policies for loss of rents and tenant-related risks—minimum dwelling coverage matches replacement cost, with at least $300K liability per occurrence to protect against common rental claims in Denver real estate.

Essential Rental Insurance Coverage

After 15+ years in Denver real estate and thousands of transactions, I stress landlord insurance (not standard homeowner) includes dwelling (repairs from fire/flood), liability ($100K-$1M for slips/suits), and loss of rents (covers vacancies/mortgage during claims). Umbrella policies add $1M+ for high-value portfolios. Flood insurance separate via NFIP (not standard); no state mandate for contents, but wise for appliances. Premiums run $1,200-$2,500/year on $600K properties—deductible $1K-$5K. Tenants need renters insurance ($15/month), verified via leases.

Skip at peril—claims bankrupt unprotected.

Denver-Specific Insurance Considerations

Highlands Ranch real estate demands HOA master policies complementing landlord coverage for shared areas ($150-$400 fees often include exteriors), shielding village liability near Mountain Vista schools. Littleton bungalows budget clay pipe perils, expansive soil cracks; core Denver urban risks like theft/vandalism hike liability. Market cycles don’t change reqs, but balanced winters see fewer weather claims. Douglas County rural rentals add liability for pools/barns; compared to Littleton flexibility, Highlands Ranch covenants mandate proof of insurance for approvals.

Local agents tailor to codes.

Practical Advice for Buyers and Sellers

Coverage Type	Minimum	Annual Cost Est
Landlord Liability	$300K	$800-$1,500
Loss of Rents	12 months	+$400
Umbrella Add-On	$1M	+$300

Landlords, shop three carriers—bundle for savings, require tenant proof; review yearly post-renos.

Sellers to rentals, disclose claims history—offer prorated premiums.

My hands-on, concierge-level service vets insurance fits block-by-block, weighs school/HOA fits through market cycles, builds pricing from local sales, and negotiates relentlessly for protected investments. Clients are long-term relationships and friends, not transactions—integrity, honesty, transparency, and relentless work ethic safeguard assets.

If rental insurance questions shape your Denver real estate plans—Littleton, Highlands Ranch must-haves—reach out anytime. I’m here for a no-pressure conversation and honest guidance tailored to the Colorado housing market.