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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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Will renters insurance cover my roommates items as well?

Renters insurance can provide peace of mind for renters, similar to what a homeowners’ policy provides for homeowners. However, renters insurance differs in that it only provides coverage for the renter’s personal belongings, not the rented structure.  As a result, it’s a good option if you have items you want to protect.  Our team at Atrium Insurance Group is dedicated to helping Centennial, CO renters get the coverage they need. 

What is renters insurance?

Renters insurance is designed to protect your personal property from theft, damage, and vandalism. This protection is extended to renters who rent a home, apartment, or any kind of inhabitable structure. Renters also have liability protection as well as protection from any number of unexpected events that could happen. As a renter, you make monthly payments to keep your insurance current and pay a deductible or file a claim if you experience a loss that is covered by your renter’s insurance policy. The liability protection protects your guests while visiting you in your apartment or rented space. If someone is hurt or experiences property damage while in your space, they can be compensated by your policy. Your policy may also cover lost items as well. 

Will renters insurance cover my roommate’s items as well?

No. Unless your roommate is on your policy, your renter’s insurance will not cover their property. However, if your roommate’s property is damaged due to something involving you, your liability coverage may compensate them. However, your roommate will need to get their own insurance policy to cover their items. Your renter’s insurance policy will not cover your roommate’s personal belongings. If you have questions about renters insurance, call us. We’d be happy to answer all of your questions. 

What is Not Covered by Renter’s Insurance?

Renters coverage refers to a type of insurance policy that provides renters or tenants with coverage for various defined perils and potential liabilities. If you rent in the greater Centennial, CO community, contact the insurance professionals at Atrium Insurance Group to learn about how a renters insurance policy can help protect you, your family, and your assets.

Note that not every circumstance is covered by a renter’s insurance policy.

Examples include the following:

High-Value Items

While one’s personal belongings are typically covered by a renter’s policy, it is highly likely that there will be policy limits regarding expensive items – artwork, jewelry, etc. Note that a rider can be included to cover these high-value items.

Damage Caused By Certain Perils

Renter’s insurance typically covers fire, vandalism, theft, and specific weather events. However, it doesn’t usually provide coverage for –

  • Floods
  • Earthquakes, and
  • Hurricane damage. Additional coverage can be purchased to cover these types of perils.

The Damage was Intentional or Caused by Illegal Actions

Intentional or illegal damage is typically excluded from a renter’s policy coverage.

Certain Personal Property

Certain insurance policies designed to protect renters may set forth specific exclusions regarding personal property. Note that a separate insurance policy can be purchased to cover boats, other watercraft, pets, and more.  

Certain Liabilities

Personal liability coverage is typically part of a renter’s policy, although it is noted that certain exclusions may exist regarding liabilities related to professional services, specific dog breeds, etc.

Contact a Leading Insurance Company Today

As with any insurance, it’s essential to have a full understanding of the renter’s policy’s terms, conditions, and exclusions. Contact the licensed professionals at Atrium Insurance Group in Centennial, CO for more information. We look forward to serving your insurance needs.

Renters Need Insurance Too – Protect Your Belongings with Renters Insurance

Are you a renter in Centennial, CO? If so, we at the Atrium Insurance Group can provide the insurance coverage you need.

Why Renters Insurance?

If you are a renter, the home or apartment you rent is your home, and it needs protection. Renters’ insurance is reliable and affordable. It is a sure way to gain the peace of mind you need knowing you have coverage if you are a victim of a break-in or some other covered event.

Renters’ insurance is similar to home insurance. It protects you, your possessions, and your living arrangements. Also, it provides liability coverage, guest medical protection, and coverage for additional living expenses.

The four major areas of coverage are:

  • Fire and smoke
  • Theft
  • Vandalism
  • Water damage caused by faulty plumbing, water heater, or furnace/AC.

The following coverages are typically included in a standard renters policy:

  • Personal property coverage reimburses you if your possessions are stolen or destroyed by a fire or other covered event. Items such as clothing, electronics, furniture, and other possessions will be covered. If you own collections or especially expensive items, a rider should be added to cover these items.
  • Reimbursement for living expenses is covered if your rented home or apartment becomes uninhabitable. Expenses such as food and temporary housing will be covered.
  • Liability protection helps to pay for medical bills, legal expenses, and other damages in the event someone gets hurt at your residence and decides to sue you.
  • The guest medical coverage helps to pay for reasonable and necessary medical costs, such as x-rays or an ambulance, even if you are not at fault.

You can select how much coverage you want and how much deductible you want to pay when you purchase a renters’ insurance policy.

Reach Out To Us

If you live in the greater Centennial, CO community, contact us at the Atrium Insurance Group today for a no-obligation quote or answers to any questions you may have about renters insurance.

Renters Insurance Is a Simple Way To Protect Your Assets.

Are you a renter? There are many conveniences that go along with renting including less stress about home repairs, yard work, and general property upkeep or damage. There are some things you should still worry about though. Atrium Insurance Group serves Centennial, CO and the surrounding regions with insurance services, and we are happy to answer any questions you may have about renters insurance. 

Renters Insurance Protects You Where Your Landlords Policy May Leave Off

If something happens to the building your apartment is in, or to the structure of your apartment then clearly that falls on your landlord to repair, and hopefully, they have their end fully insured. If something happens within your rental home or apartment that is structural such as a natural disaster, busted pipe, or limb through the first floor then that also likely falls on your landlord’s shoulders to repair.

However, the items inside the rental that actually belong to you are your assets to protect. So if there is a disaster and the apartment burns down or is destroyed your landlord’s policy will likely cover a motel rental but the liability of each of your items will fall on you and your own insurance policy. Renter’s insurance is for the items you have within your rental space. If you are burglarized or a friend is injured within your apartment your renter’s insurance policy may protect you and your valuable assets. 

Give Us A Call

Contact us at Atrium Insurance Group if you have any questions or are ready to purchase renter’s insurance. We serve the community of Centennial, CO with quality insurance services. 

Why Renters Insurance is a Must

Whether you are renting a home, an apartment, a condo, or anything else in between, you’ll want to have a renter’s insurance policy to protect your personal belongings. Your landlord may even require that you have a renter’s insurance policy before turning over the keys of the unit to you. Contrary to public opinion, your landlord’s insurance policy will pay for damage to the actual unit itself, such as the foundation, the roof, and their personal belongings inside it, but it will not cover anything that you own, nor will it provide liability protection. 

While many renters choose not to purchase insurance because they feel it is too expensive, the reality is that it is likely to be significantly cheaper than your rent. If you were to add up all your personal belongings to include electronics, clothing, furniture, and more, it is highly likely that the total figure will be far higher than you could expect. Failing to have renter’s insurance means that you’ll be on the hook for replacement if your belongings are damaged in an incident. With renter’s insurance, you’ll have coverage to repair or purchase new items at no or little cost to you. Additionally, if a visitor or friend slips and falls while at your rental, your renter’s insurance coverage will help pay for their medical bills and any other fees in the event that you are sued. 

At the Atrium Insurance Group in Centennial, CO, we can help you understand the pros and cons of renter’s insurance so that you make an informed decision. We’re sure that you’ll agree with us when we say that renter’s insurance is a must for Colorado residents. Give us a call today to learn more! 


Is renters insurance required in Colorado

Renting in Centennial, CO puts you in a wonderful area for enjoying the great outdoors. The mountains offer year-round access to nature. Whether you hike, bike or ski, you will find plenty of good reasons to call this area home. At Atrium Insurance Group in Centennial CO, we believe that the secret to a thriving business is giving our customers quality products at the best price. We will take the time to get to know you so that we can provide what you need. 

Renters insurance is not required by the state of Colorado but it may be required by your landlord or management company. Be sure to read your lease and understand the requirements. But even if it isn’t required, having it is a good idea and offers many benefits. 

You may think that your landlord has insurance that protects you, but he doesn’t. He only cares about his building, you are on your own to cover your personal property. 

Renters insurance offers three types of coverage:

  • contents
  • liability
  • loss of use


Everything you own is probably in your rental and if it was destroyed or you were robbed, you could lose quite a lot. With renters insurance, you would be able to replace some of the things you need and get back to life as usual. 


If someone is injured while visiting your rental, you could be liable for medical expenses and potential legal action against you. Renters insurance would help with the cost. 

Loss of use

If your rental is damaged and you are not able to stay there, you will need somewhere to live. Loss of use coverage will help with a hotel or a temporary rental until you can go back home. 

Contact Atrium Insurance Group in Centennial, CO to discuss why renters insurance may be right for you. 

Renters insurance FAQs

Centennial is a great place to live. Located about 16 miles southeast of Denver, it has excellent schools, and 16% of the population comprises renters. Renters insurance is often overlooked and leaves renters without protection if a disaster strikes. At Atrium insurance Group in Centennial, CO, we have been in business for more than 30 years and believe in providing our customers with the most choices at the best prices.

Doesn’t my landlord’s insurance cover me?

No, your landlord probably has insurance on the building, but that does not protect you. They have liability insurance covering the exterior of the property, but that won’t help you if someone is hurt inside your home or by a member of your family away from home. 

Will renters insurance replace my possessions if I lose them in a fire?

Yes, contents is one of the coverages offered by rental insurance, and fire is a covered peril. You can choose to have actual cash value coverage or replacement cost coverage. With actual cash value, depreciation is taken into account, so you may not receive enough actually to replace an item at today’s cost. 

If my phone is stolen from my car, is it covered? 

Yes, your personal possessions are covered when you are traveling away from home with them. Keep in mind there is a deductible attached to your renters’ policy, and depending on how high it is and the type of coverage you have opted for, you may not collect anything. A three-year-old phone and a $500 deductible will not provide the coverage you think it will unless you have replacement cost. 

Do I need liability coverage as a renter?

Yes, you do if you have any assets. 

If you consider renters insurance, give us a call at Atrium insurance Group in Centennial, CO, or stop by our office.

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