The top-rated renters insurance agent in Lafayette, Colorado is Inszone Insurance Services, rated 4.9 stars across 525 reviews. Other highly rated options include Shawn Hughes - State Farm Insurance Agent, Jim Plane - State Farm Insurance Agent, Josh Chase - State Farm Insurance Agent. This directory lists 18 renters insurance agents serving Lafayette.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Inszone Insurance Services | 806 S Public Rd #102 | (303) 660-0470 |
| 2 | Shawn Hughes - State Farm Insurance Agent | 2676 Northpark Dr STE 100 | (303) 665-4600 |
| 3 | Jim Plane - State Farm Insurance Agent | 1319 W Baseline Rd #201b | (720) 890-5916 |
| 4 | Josh Chase - State Farm Insurance Agent | 1200 W South Boulder Rd Ste 202 | (303) 450-8100 |
| 5 | The Woods Insurance Group: Allstate Insurance | 100 E Chester St | (303) 443-9988 |
| 6 | Shelter Insurance - Jo Peters | 808 S Public Rd # 203 | (303) 666-0828 |
| 7 | Marc Sisler - State Farm Insurance Agent | 1345 Plaza Ct N #1a | (303) 993-6067 |
| 8 | Rocky Mountain Insurance Center | 1361 Forest Park Cir #105 | (720) 335-6872 |
| 9 | Farmers Insurance - Daniel Coons | 1225 Cimarron Dr Unit 201 | (303) 665-2752 |
| 10 | Farmers Insurance - Jason Tichota | 2590 Trailridge Dr E Ste 100 | (720) 438-7878 |
Inszone Insurance Services serves the Lafayette, Colorado area, specializing in renters insurance policies. The agency connects local tenants with coverage that protects personal belongings against theft, fire, and water damage. It also helps customers understand liability protection options included in standard renters plans. Policies here are typically designed for apartments, condominiums, and single-family rentals throughout Boulder County. Inszone provides assistance with policy adjustments for high-value items such as electronics and jewelry, and it handles claims support for Lafayette residents.
Shawn Hughes - State Farm Insurance Agent in Lafayette, CO, provides renters insurance for a range of residential scenarios, covering personal property and liability protection against common perils. The agency issues policies tailored to leasing tenants, ensuring coverage for personal belongings and offering loss-of-use benefits if a rental becomes uninhabitable. Policyholders can choose deductibles and review their coverage annually to adjust for asset changes. This agent services properties including single-family homes, apartments, and restaurants.
As winter storms approach Lafayette, protecting belongings becomes a priority, and Jim Plane - State Farm Insurance Agent provides localized renters insurance policies designed to cover personal property and liability. This office helps tenants assess coverage limits for electronics, furniture, and additional living expenses. A dedicated agent reviews lease requirements and explains deductible options during a complimentary walk-through assessment of the renter's current valuables and dwelling entry points.
Josh Chase - State Farm Insurance Agent in Lafayette, CO serves local homeowners, renters, and property managers seeking renters insurance coverage. The agency helps clients protect personal belongings and liability within apartments, condos, or rental houses. Policies typically cover theft, fire, weather damage, and temporary living expenses during displacement. Josh Chase also provides flexible options for upgrading personal property protection. The office additionally serves nearby communities including Erie and the broader Boulder County metro area.
Serving Lafayette and the surrounding Boulder County communities, The Woods Insurance Group: Allstate Insurance handles renters insurance policies for local tenants and landlords. This agency assists clients in securing coverage for personal property, liability protection, and additional living expenses in the event of a covered loss. The firm typically begins each job by assessing a client’s specific rental situation and exposed risks before presenting a tailored coverage plan that meets their lease requirements and personal needs.
Shelter Insurance - Jo Peters offers tailored renters insurance policies designed to safeguard personal belongings and provide liability protection in Lafayette, CO. It generally assists residents in selecting appropriate coverage limits to match their specific living situations and property values, ensuring financial security against unforeseen events. The agent guides clients through the claims process and policy adjustments as their needs evolve. As the snowy season approaches, it helps tenants prepare for potential weather-related damage, such as burst pipes from freezing temperatures.
As a renters insurance agent, Marc Sisler provides two distinct types of service: a one-time policy setup for immediate coverage or a recurring service option with ongoing policy reviews and updates. Both paths include protection for personal belongings, liability, and additional living expenses after a covered loss, tailored to local Lafayette needs. Area renters can schedule coverage as a onetime purchase for a fixed term or manage their plan through periodic renewals and adjustments, ensuring continued alignment with changing circumstances on an as-needed basis.
As the seasons shift in Lafayette, Colorado, renters often reassess their coverage needs—especially before summer hail or winter fire hazards arrive. Rocky Mountain Insurance Center provides in-person consultation and policy comparison for local tenants. Each session begins with a review of personal property value and liability exposure. To determine the right protection, an agent completes a brief inventory checklist or walks through the unit. This initial-assessment step ensures the policy directly matches the renter's actual living situation.
Farmers Insurance - Daniel Coons provides local renters insurance coverage for residential properties in the Lafayette, Colorado area. The office also handles related commercial coverage for small businesses needing property protection. Serving the surrounding communities, the agency works with clients to structure policies that match individual living situations and budgets. Follow-up service is available between regular visits to adjust coverage as tenant needs change.
Farmers Insurance - Jason Tichota provides renters insurance coverage for clients in Lafayette, Colorado. This agency helps customers protect personal belongings and liability within a rented home or apartment. For added security, policyholders can typically include specialized endorsements for high-value items like jewelry, electronics, or bicycles. Standard protections such as loss-of-use coverage and medical payments to others are also available. The agency serves a range of commercial sectors, including offices, warehouses, and food service operations, ensuring proper coverage for different business property types.
What Does a a Renters Insurance Agent in Lafayette Cost?
Typical renters insurance costs in Colorado range from 15 to 30 dollars per month for a standard policy with 30,000 dollars in personal property coverage and 100,000 dollars in liability. Factors that affect price include your deductible amount, location in Lafayette, and any additional endorsements for high-value items or flood risk. This is general information and not insurance advice. Always review your specific needs with a licensed agent.
About renters insurance agents in Lafayette
Renters insurance agents in Lafayette Colorado help tenants protect personal property and cover liability risks. Colorado law does not require renters insurance but many landlords in Lafayette now include it in lease agreements. An agent can explain how local weather risks like hail or wildfire affect your policy needs.
Frequently Asked Questions
What does a renters insurance agent in Lafayette do?
A renters insurance agent helps you choose a policy that covers your belongings and personal liability. They can compare quotes from multiple carriers and explain Colorado-specific coverage options like sewer backup or earthquake endorsement. They also assist with claims and policy changes.
Is renters insurance required by law in Colorado?
Colorado state law does not require renters insurance. However many landlords and property managers in Lafayette require tenants to carry a policy as a condition of the lease. An agent can help you meet those requirements.
How much renters insurance do I need in Lafayette?
Most agents recommend at least 100,000 dollars in personal liability coverage and enough personal property coverage to replace all your belongings. For Lafayette consider higher limits for valuable items like electronics or bicycles. An agent can help you calculate the right amount.
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