Landlord insurance in Aurora, CO
If your Aurora property is a rental, landlord insurance is what covers it. Structure, liability, and lost rent are all included, and none of them are covered by the homeowners policy you carried when you lived there.
Trusted insurance service for landlords in Aurora CO
Secure your rental property in Aurora's active market
Navigating the landlord insurance landscape in Aurora, Colorado is made easy with Steadily. As the third-most-populous city in the state, Aurora offers a diverse rental market, ripe with opportunities. Steadily provides fast and affordable policies to meet the needs of landlords in this busy urban area. Protect your investment from local hazards like storms, wind, and fire, while ensuring coverage for lost rent and liability. Stay informed about the local rental market by exploring the average rent in Aurora.
Aurora's neighborhoods, supported by institutions like the University of Colorado Anschutz Medical Campus and major employers such as Raytheon, create a growing environment for rental properties. With Steadily, you can tailor your landlord insurance to address specific coverage needs, including property damage and liability protection. Given that Colorado is a landlord-friendly state, landlords benefit from favorable property maintenance laws and tenant regulations. Protect your investment with policies that offer:
- solid property damage coverage
- Liability protection against potential lawsuits
- Lost rent reimbursement to ensure steady income
Who needs landlord insurance in Aurora CO?
Landlord insurance is a policy for people who rent their homes to others. It is NOT homeowners insurance, and should not be used to cover your primary residence.
You may need landlord insurance if you:
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The Aurora rental market
Renters hold about 52,600 of Aurora's 143,200 occupied homes, close to 37 percent, paying a median gross rent of roughly $1,759 and about $1,814 for a two bedroom. Loss of rent is calculated from those figures, so they are worth knowing before you pick a coverage limit.
The slice that matters to an individual owner is smaller than the headline. Aurora has about 15,000 single-family rentals and another 4,390 units inside two-to-four-unit buildings, roughly 19,400 homes belonging to owners who buy coverage one address at a time. Supply sits near 3.8 months, a reasonably balanced market by recent standards.
What a policy gets tested by in this market is hail, which makes Colorado one of the most expensive hail states in the country to insure, and winter freeze damage in vacant units. Separately, Colorado has no statewide rent cap, but the procedural duties still bite: the deposit back or a written statement of the deductions within 30 days of the tenancy ending, and wilfully holding a deposit past the deadline can expose you to treble damages plus attorney fees, and missing it forfeits your right to keep any of it.
How is landlord insurance priced in Aurora?
Industry figures generally show landlord policies costing a bit more than an equivalent homeowners policy nearby, which is what you would expect given the extra liability and rental income coverage. Treat that as a rounded-up view of publicly available averages rather than a price. It is not what you would be quoted.
What matters more locally is what it would cost to reconstruct the building. Median sale prices in Aurora sit near $449,702, which gives a sense of scale, but you insure to rebuild cost rather than to market value. In this market the biggest single swing factor is hail exposure and the age and material of your roof, which drive Colorado premiums more than square footage. The variables are many: how big the property is, what it is built from, how old the roof is, what has been claimed before, the deductible you accept, and the limits you want. The only number that means anything is a quote on the actual address.
Landlord insurance coverages in Aurora CO
We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium
Wind and hurricane
Steadily covers wind and hurricane damage to the structure of your rental, from a stripped roof and broken windows to siding torn loose and a tree through the wall, plus the rental income you lose while it's repaired.
Riot & civil commotion
Steadily’s landlord insurance covers property damage from riots and civil commotion, including broken windows, structural fires, and looted common areas, so the repair costs don’t fall entirely on you. Documentation connecting the damage to the civil unrest is required.
Vandalism & burglary
Steadily covers malicious damage to your rental from vandalism and break-ins: broken doors and windows, defaced surfaces, damaged fixtures and appliances. A police report is typically required to file the claim.
Loss of rent
When a covered event makes the unit temporarily uninhabitable, Steadily’s loss of rent coverage replaces the income you’d lose while repairs are underway, whether the cause is a fire, a burst pipe, or storm damage.
Storm and hail
Steadily covers storm and hail damage to the structure of your property, including roof punctures, dented or torn shingles, broken windows, and damage from fallen trees and debris, up to your policy limits.
Water
For sudden water damage events such as burst pipes, plumbing failures and appliance overflow, Steadily covers the structural repairs and lost rental income if the unit can’t be occupied while the work is done. Flood damage from rising water requires a separate policy.
Legal liability
Landlord liability insurance pays medical bills, legal defense, and settlements when a tenant or visitor is injured at your rental and holds you responsible. It's built into every Steadily landlord policy in all 50 states with $300,000 to $2 million per occurrence, typically adding $200 to $400 a year to the bundled premium.
Fire
Steadily covers structural fire damage, smoke damage, personal property you own at the unit, and lost rental income while repairs are underway. That includes fires started in the kitchen, by the wiring, by a tenant, or by a wildfire nearby.
Frequently asked questions
What does a landlord policy cover, and what does it leave out?
Three things: the structure, landlord liability, and lost rental income during a covered repair. What it leaves out catches owners more often, since tenant possessions sit on the tenant's own renters policy and flood damage requires separate coverage.
Two Aurora houses on the same street can quote differently. Why?
Two properties that look alike from the street can price very differently, and the reasons are mostly invisible from outside. Locally the biggest single factor is hail frequency and the material your roof is made of. After that it is the things an inspector notices rather than a buyer: what has been claimed on it before, the deductible you accept, how the building is constructed, square footage and the year it was built.
Is landlord insurance required in Colorado, and can a homeowners policy do the job?
No state law in Colorado makes it mandatory, but your lender almost certainly will, and a homeowners policy is not a substitute. Homeowners coverage is underwritten for a house you live in, so once tenants move in the insurer has grounds to deny a claim. A landlord policy also adds two things yours does not carry: lost rent, and liability tied to renting the property out.
What is the best landlord policy in Aurora?
Names matter less than fit. A policy written for rentals treats loss of rent and landlord liability as core coverage rather than endorsements, and that difference shows up only when you claim. Steadily writes landlord coverage across Colorado and quotes online in minutes. Weigh coverage first, price second.
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