The top-rated landlord insurance agent in Castle Rock, Colorado is Kristi Stearns - State Farm Insurance Agent, rated 4.9 stars across 340 reviews. Other highly rated options include Derback Insurance Agency, Inc., Castle Rock Insurance, Scott Rice - State Farm Insurance Agent. This directory lists 18 landlord insurance agents serving Castle Rock.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kristi Stearns - State Farm Insurance Agent | 862 W Happy Canyon Rd Suite L-105 | (720) 949-0935 |
| 2 | Derback Insurance Agency, Inc. | 15 Wilcox St #106 | (720) 292-1219 |
| 3 | Castle Rock Insurance | 695 Jerry St suite 400 | (720) 248-6990 |
| 4 | Scott Rice - State Farm Insurance Agent | 399 Perry St # 340 | (303) 688-8848 |
| 5 | Farmers Insurance - Kris Brader | 115 Wilcox St Suite 220 | (720) 789-7980 |
| 6 | All Season Assurance - Insurance Agency | 3275 Blue Grass Cir | (720) 504-6445 |
| 7 | Farmers Insurance - Richard Gillit | 599 Topeka Way Ste 316 | (303) 779-4200 |
| 8 | Torregrossa Insurance - Joey Torregrossa, Agent | 755 S Perry St suite 250 | (303) 814-1113 |
| 9 | Cowest Insurance | The Point, 4348 229 #229 | (303) 688-9597 |
| 10 | Farmers Insurance - Tracy Marks | 222 Front St | (303) 935-3355 |
Kristi Stearns - State Farm Insurance Agent serves Castle Rock and surrounding Douglas County, Colorado, offering specialized policies for landlords and residential rental property owners. The agency helps property investors protect their assets through tailored coverage that addresses liabilities and property damage common to rental homes in this growing region. Services include landlord dwelling policies and loss of rental income coverage.
Derback Insurance Agency, Inc., located in Castle Rock, Colorado, provides landlord insurance coverage designed to protect rental property owners from common risks such as property damage and liability claims. Their services include securing appropriate policies for residential and commercial landlords. Ongoing maintenance plans are not offered, as the agency focuses entirely on insurance risk management and policy placement. They routinely work with a diverse range of property types, including single-family homes, multi-unit apartment buildings, retail spaces, and restaurants.
Castle Rock Insurance serves Castle Rock and the surrounding Douglas County communities, handling landlord insurance coverage for rental property owners. It manages policies that protect residential and commercial rental properties against common liabilities and property damage. The company addresses risks like fire, theft, and weather-related losses that landlords in this area regularly face. To handle a typical job, it first reviews the property specifics and then customizes the coverage limits to match the landlord's exposure and budget.
Scott Rice, a landlord insurance agent in Castle Rock, CO, distinguishes between one-time policy placements for single properties and ongoing coverage options that adapt as a rental portfolio expands. His work protects property owners against losses from tenant damage, liability claims, and lost rental income. Policies typically cover physical structures and umbrella liability extensions. Service operates on an as-needed basis to adjust coverage when leases renew or properties change.
Farmers Insurance - Kris Brader specializes in offering tailored landlord insurance policies for rental property owners in Castle Rock, CO. The agency provides coverage options that protect against property damage, liability claims, and potential loss of rental income from unexpected vacancies. General services include reviewing existing policies to ensure adequate protection for single-family homes and multi-unit dwellings. A significant seasonal concern addressed is preparing rental properties for Colorado’s harsh winter months, helping landlords mitigate risks like frozen pipes and roof damage from heavy snow accumulation.
With the changing seasons in Castle Rock bringing freeze-thaw cycles and sudden hail, property owners often face unforeseen maintenance challenges that threaten their rental income. All Season Assurance - Insurance Agency responds by offering tailored landlord insurance policies designed to protect against such weather-related damages and liability issues common in Colorado. Their services cover essential protections for single-family rentals and multi-unit properties alike. An initial assessment of your rental portfolio and current coverage gaps is conducted during a complimentary on-site inspection.
Farmers Insurance - Richard Gillit serves as a landlord insurance agent in Castle Rock, CO, assisting property owners with core coverage for rental dwellings. Its specialty add-ons include protection for loss of rental income and liability coverage for tenant injuries. Additional options may address specific landlord risks, such as vandalism or weather-related damage to structures. This agency can provide customized policies for commercial sectors like offices, warehouses, and food service establishments.
Torregrossa Insurance - Joey Torregrossa, Agent serves landlord insurance clients in Castle Rock, Colorado. The agency offers standard property protection for rental dwellings, including coverage for fire, theft, and liability claims common to local residential investments. Policies are designed to safeguard both single-family rentals and multi-unit buildings. Landlords can add on a vandalism and malicious mischief extension to guard against damages caused by tenants or trespassers during the lease period.
Cowest Insurance serves residential landlords in Castle Rock, Colorado, by offering coverage tailored to rental properties and their specific liability needs. The agency also assists clients who own commercial investment properties within the surrounding region, ensuring consistent protection across different asset types. After an initial policy is set, the agent follows up directly to review coverage details and remains available for ongoing service between regular renewal cycles.
Farmers Insurance - Tracy Marks provides landlord insurance services, including property damage coverage and liability protection, along with optional maintenance plans that address routine upkeep and emergency repairs. The agency helps rental property owners manage risk and protect their investments with tailored policies. It serves a variety of property types, such as single-family homes, apartments, retail spaces, and restaurants in the Castle Rock, Colorado area.
What Does a a Landlord Insurance Agent in Castle Rock Cost?
The cost of a landlord insurance policy in Castle Rock, Colorado typically ranges from 15 to 25 percent more than a standard homeowners policy. For a single-family rental, annual premiums often fall between 800 and 1,800 dollars, depending on the property value, location, and coverage limits. Factors like the number of units, deductible amount, and claims history also affect the price. This is general information and not insurance advice.
About landlord insurance agents in Castle Rock
A landlord insurance agent in Castle Rock, Colorado helps property owners protect their rental investments. Colorado law does not require landlords to carry specific insurance, but most mortgage lenders and HOA rules do. Local agents understand risks like hail damage and tenant liability common in Douglas County.
Frequently Asked Questions
What does landlord insurance cover in Castle Rock Colorado?
Landlord insurance typically covers property damage, liability for tenant injuries, and loss of rental income. In Colorado, policies often include coverage for hail and wind damage common in the Front Range. It does not cover tenant personal belongings.
Do I need landlord insurance if I have a homeowners policy in Colorado?
A standard homeowners policy in Colorado usually excludes coverage for rental properties. If you rent out a home in Castle Rock, you need a landlord policy to cover liability and property risks. Using the wrong policy can lead to claim denials.
How do Colorado landlord tenant laws affect my insurance needs?
Colorado law requires landlords to maintain safe and habitable properties, which can increase liability exposure. For example, failing to fix a broken step could lead to a lawsuit. Landlord insurance helps cover legal defense costs and settlements.
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