Protect Your Rental Property and Your Income.
Your rental home is more than an investment — it’s a business that deserves protection. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock landlords safeguard their properties, rental income, and liability with tailored coverage built for Colorado’s housing market.
Landlord insurance — also called rental property insurance or dwelling fire insurance — protects the property you rent out to tenants, covering damage to the structure, liability risks, and lost rental income if the property becomes uninhabitable after a covered event.
It’s not the same as homeowners insurance. Standard home policies cover your primary residence only, while landlord insurance is designed for properties you rent to others — even if you manage just one home or duplex.
Castle Rock’s strong rental demand makes investment homes appealing — but Colorado’s climate and legal environment create unique challenges for landlords.
Common Local Risks:
Hail and Windstorms: Roof and siding damage is frequent in Douglas County.
Wildfire Threats: Proximity to open land increases exposure near areas like Larkspur and Castle Pines.
Frozen Pipes and Water Leaks: Vacant or tenant-occupied homes may go unnoticed until costly damage occurs.
Liability Exposure: A tenant or visitor injury could result in lawsuits without proper coverage.
Loss of Rental Income: After a covered claim, lost rent reimbursement helps keep your cash flow stable.
RMIA helps you protect both your property and your financial return with the right combination of coverage and carrier support.
Every property and landlord is different, but a typical policy includes:
Dwelling Coverage: Protects the structure from perils like fire, hail, lightning, or vandalism.
Other Structures: Covers garages, fences, and sheds on the rental property.
Loss of Rental Income: Reimburses lost rent while repairs are being made after a covered event.
Liability Protection: Covers legal expenses and damages if someone is injured on your property.
Medical Payments to Others: Pays for small injuries without a lawsuit.
Optional Endorsements:
Water/Sewer Backup
Equipment Breakdown (furnaces, water heaters, etc.)
Ordinance or Law Coverage (to meet building code updates)
Flood or Earthquake (if applicable)
Landlord Contents (appliances, furnishings in unfurnished units)
We create policies designed for your specific investment model:
Single-Family Homes – Most common landlord policies, covering the structure, liability, and loss of rent.
Multi-Unit Properties or Duplexes – Customized coverage for multi-tenant risks and shared structures.
Short-Term Rentals (Airbnb/VRBO) – Special endorsements for short-term occupancy and turnover exposure.
Vacant Properties – Interim coverage while between tenants or renovations.
Neighborhoods like The Meadows, Founders Village, and Castle Pines North each carry different underwriting considerations — from hail deductibles to wildfire mitigation credits.
We work directly with carriers familiar with the region, ensuring pricing and coverage reflect real risk factors, not assumptions.
Independent Agency Advantage: We’re not tied to one company, giving you access to multiple competitive quotes.
Experience That Counts: With 20+ years in Castle Rock, we understand both residential and investment property exposures.
Hands-On Service: From policy setup to claim support, we’re your single point of contact — not an automated hotline.
Portfolio Coordination: Own multiple properties? We can consolidate your coverage under one efficient plan.
Homeowners insurance covers your primary residence, while landlord insurance is designed for properties you rent out, including coverage for lost rent and tenant-related liability.
Yes — it covers accidental or malicious damage caused by tenants (depending on the policy). However, it does not cover a tenant’s personal belongings — they need renters insurance for that.
Absolutely. Many carriers offer blanket or portfolio coverage for landlords with multiple homes, simplifying management and billing.
Your policy can include loss of rental income, reimbursing rent you would have collected while repairs are made after a covered event.
Yes. Standard landlord policies may exclude short-term use. RMIA will help add an endorsement for short-term or vacation rentals to ensure proper liability coverage.
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.
Let RMIA help you secure your rental property and stabilize your income — with local insight, trusted carriers, and personal service you can rely on.
