Protect What’s Yours — Wherever You Live.
Even if you don’t own your home, your belongings and peace of mind deserve solid protection. At Rocky Mountain Insurance Advisors (RMIA), we help renters across Castle Rock and Douglas County secure affordable coverage for their personal property, liability, and everyday peace of mind.
If your apartment, condo, or rental home was damaged by fire, water, or theft — could you afford to replace everything inside? Renters insurance ensures you won’t have to start over from scratch.
Your landlord’s insurance only covers the building — not your furniture, electronics, or clothing. A renters policy protects what’s inside, plus shields you from liability if an accident happens in your unit.
At RMIA, we make renters insurance simple, affordable, and designed for your life in Castle Rock.
Renting in Castle Rock or surrounding areas like Castle Pines, The Meadows, and Highlands Ranch brings unique risks:
Hail & Windstorms: Severe storms can break windows, cause leaks, or damage your personal property.
Water Damage: Frozen pipes or overflowing units can lead to costly losses.
Wildfire Smoke: Even light smoke exposure can ruin furniture, clothing, or electronics.
Theft & Vandalism: Apartment complexes and shared parking areas are frequent targets.
Accidental Liability: Someone injured in your apartment could file a claim against you.
Renters insurance helps you handle all these scenarios — often for less than $20 a month.
A comprehensive renters policy includes several essential protections:
Core Coverages:
Personal Property Coverage: Replaces your belongings (clothes, furniture, electronics) if stolen, damaged, or destroyed by a covered peril.
Liability Coverage: Protects you if someone is injured or their property is damaged in your rental.
Loss of Use (Additional Living Expenses): Pays for hotel stays or temporary housing if your apartment becomes unlivable after a covered event.
Medical Payments to Others: Covers minor injuries that occur in your home without legal action.
Optional Add-Ons:
Valuable Items Coverage: Extra protection for jewelry, musical instruments, or electronics.
Water/Sewer Backup: Covers damage from drain backups or sump pump failures.
Identity Theft Protection: Helps restore your credit and recover losses.
Pet Liability: Covers damage or injury caused by your pets.
We understand the housing mix across Castle Rock — from downtown apartments to suburban townhomes and luxury condos. Our team helps you match your coverage to your lease terms, building type, and neighborhood risk.
Plus, we work with multiple top-rated insurance carriers to find competitive rates without sacrificing protection.
Local & Independent: We’re Castle Rock-based and represent multiple carriers for the best value.
Affordable Plans: Get great coverage that fits any budget, often for less than a dinner out.
Fast & Simple Setup: Most renters policies can be quoted and issued the same day.
Bundle Savings: Combine your renters insurance with your auto policy for even greater discounts.
It covers your personal belongings from risks like fire, theft, water damage, and vandalism — plus liability protection if someone is injured in your home.
Many Castle Rock landlords now require proof of renters insurance before move-in. Even if not required, it’s highly recommended to protect your property and finances.
No, each tenant should have their own policy unless both names are listed. RMIA can help roommates set up affordable individual policies.
Yes. Jewelry, art, or electronics can be added with special endorsements or scheduled property coverage for higher limits.
Typically between $10–$25 per month, depending on coverage limits, deductibles, and location. RMIA shops multiple carriers to find the best price for your needs.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Your home may be rented — but your belongings, comfort, and peace of mind belong entirely to you.
Let RMIA help you protect them with renters insurance built for life in Castle Rock.
