- tony.holliday@goosehead.com
- (719) 960-4898
- 102 S. Tejon St Suite 1128, Colorado Springs, CO 80903
Owning a rental property can be a great investment. It also comes with real risk. A good landlord insurance policy helps protect your building, your rental income, and your finances if something goes wrong.
At Tony Holliday Insurance, we help rental property owners in Colorado Springs choose coverage that fits their property’s use. We keep it simple and explain what matters.
If you’re comparing all home policy types, start with Home Insurance in Colorado Springs
Landlord insurance helps protect a home you rent to others. It typically covers the building and liability and may help with lost rental income after a covered loss.
A common mistake is using a homeowner’s policy on a rented home.
Homeowners insurance is designed for the home you live in. Landlord insurance is designed for a home where your tenant lives. The risks differ, so the coverage differs.
If you live in the home you own, see Homeowners Insurance . If you rent your place, see Renters Insurance.
Landlord insurance often focuses on:
Most landlord policies include these core parts:
Landlord insurance is strong, but it doesn’t cover everything.
Common exclusions or limits can include:
If you want flood or earthquake protection, we can help you add the right coverage: Flood Insurance and Earthquake Insurance.
A unit can look fine for years, then need major repairs after a tenant moves out. A policy can help with covered losses, but it won't replace routine maintenance.
Slippery walkways, loose railings, or unsafe steps can lead to injury claims. Liability coverage helps protect your finances if you're held responsible.
Colorado Springs can see hail, wind, and sudden storms. A good policy helps protect the building when weather causes covered damage.
If a fire or major covered loss forces tenants out, loss-of-rent coverage can help maintain income while repairs are underway, based on your policy terms.
A higher deductible can reduce premiums, but you need to be comfortable paying it when a claim happens.
Many landlords choose higher liability limits because claims can grow quickly. If you want extra protection, an umbrella policy may be a smart add-on. See ( Personal Umbrella Insurance )
Umbrella coverage can provide additional liability protection above your landlord policy and, in some cases, across multiple policies. Learn more about Personal Umbrella Insurance
If you want protection for flood or earthquake losses, we can show you what's available and help you decide. See Flood Insurance and Earthquake Insurance
If you provide appliances or furnishings, you may want coverage that reflects what you own inside the rental.If you also want to protect high-value items you own (outside the rental), see ( Valuable Items / Jewelry Insurance )
Most quotes can start with:
We confirm the property and its rental terms.
We'll go over dwelling, liability, loss of rent, and any add-ons you want.
You pick what makes sense. We'll help you set it up correctly.
We help renters in nearby communities, including:
If you want coverage that protects your rental property and reduces financial risk, start here. We'll keep it clear and help you choose with confidence.
If the home is rented out, homeowners' coverage may not fit the risk. A landlord policy is built for rentals and is usually the safer option.
No. Tenants should have renters' insurance for their personal belongings. You can point them to Renters Insurance.
Many policies include loss-of-rent coverage after a covered loss, but terms and limits vary. We'll explain what your policy includes.
Vacancy rules vary. If the property will be vacant, please tell us so we can adjust coverage if needed.
Often, the same day, once we have the property address and basic details. You can start here: Get a Free Quote
Free Consultations
