When you’re renting a home or apartment, it’s easy to assume that your landlord takes care of everything. After all, they own the property. But the truth is, both landlords and renters have unique responsibilities, and understanding the difference can save you a lot of stress. At Atrium Insurance Group, serving renters throughout the greater Centennial, CO region, we believe understanding these roles is the first step to a smooth renting experience.

Landlord Responsibilities

Landlords are primarily responsible for the property itself. This includes maintaining the building’s structure, ensuring that plumbing and heating systems are working correctly, and addressing any safety concerns. If the roof starts leaking or the heater stops working in the middle of winter, it’s your landlord’s job to fix it. They’re also responsible for ensuring the property is up to code and habitable for tenants.

Renter Responsibilities

As a renter, your responsibilities are more focused on what’s inside your unit. You’re expected to keep your space clean, avoid damaging the property, and report any maintenance issues promptly. But one key responsibility often overlooked is protecting your personal belongings. If a fire, theft, or water damage occurs, your landlord’s insurance won’t cover your possessions. That’s where renters’ insurance comes in.

The Importance of Renters’ Insurance

Renters’ insurance is a simple way to protect yourself financially. It can cover your belongings, temporary living expenses if you’re displaced, and even liability if someone gets hurt in your home. It’s affordable reassurance—and something every renter should consider.

Ready to protect what matters most? Reach out to Atrium Insurance Group in Centennial, CO, today and let us help you find the right renters’ insurance for your needs.