Best Landlord Insurance Companies in Colorado (2026): Ratings, Market Share and Coverage
Best landlord insurance companies in Colorado ranked on Colorado DOI and NAIC homeowners market share, AM Best financial strength and verified landlord product pages from State Farm, Allstate, Liberty Mutual and Travelers.
Last verified October 13, 2026 · Insurance 8020 is not a licensed insurance producer, broker or agent, does not sell policies and is not affiliated with any insurer named below.
The best landlord insurance in Colorado comes from carriers that write a true landlord or rental-dwelling form, hold strong AM Best ratings, and already write a large Colorado homeowners book. We ranked four national carriers with verified landlord product pages we could fetch on October 13, 2026, then layered in Colorado Division of Insurance (Colorado DOI) homeowners company market share, NAIC 2025 group homeowners market share and dated AM Best financial strength ratings. We do not rank on price, because neither Colorado DOI nor the NAIC publishes a Colorado landlord premium average.
Key Takeaways
- State Farm leads on Colorado property scale - State Farm Fire and Casualty wrote 23.47% of Colorado homeowners multiple-peril premium in Colorado DOI’s company table, and State Farm Group held 23.48% of 2025 group premium. State Farm sells a documented Rental Dwelling policy with dwelling, personal property, loss of rents and liability.
- Allstate is a top-three Colorado homeowners group with a landlord package - Allstate Insurance Group held 11.91% of 2025 Colorado homeowners premium, and Allstate Vehicle and Property was second among companies in the Colorado DOI table at 9.55%. Allstate publishes a landlord and hosts page that lists fair rental income among standard coverages.
- Liberty Mutual is a top-four Colorado homeowners group with a customizable landlord form - Liberty Mutual Group held 11.06% of 2025 Colorado homeowners premium and lists dwelling, premises liability, wind/hail and fair rental value as standard on its landlord insurance page.
- Travelers holds the top AM Best grade among ranked carriers - AM Best affirmed Travelers’ A++ (Superior) rating on August 21, 2026, Travelers Group wrote 6.33% of 2025 Colorado homeowners premium, and Travelers publishes a landlord policy for one-to-four unit rentals.
- Hail is Colorado DOI’s number-one homeowners cost driver - Colorado DOI’s hail one-pager attributes 26% to 54% of average homeowners premium to hail statewide, with wildfire a smaller but location-specific share.
- Price alone cannot decide this ranking - the NAIC publishes a Colorado dwelling fire form average of $964 and an HO-3 average of $2,492 for 2023 data, but neither is an official landlord average.
How we ranked these Colorado landlord insurance companies
We included only carriers with a working landlord or rental-dwelling product page we could fetch on October 13, 2026, plus a dated AM Best financial strength rating and a material Colorado homeowners book in Colorado DOI’s company report or the NAIC’s 2025 group market-share report. Farmers public landlord URLs returned unavailable pages on October 13, so we did not rank Farmers. USAA ranks second by 2025 group share in Colorado, but we did not rank USAA here because membership eligibility and a verified public landlord product page were not established for this listicle. J.D. Power property claims scores measure homeowners claims satisfaction, not landlord-specific claims, so we report them separately.
| Rank | Carrier | AM Best FSR | 2025 CO HO share (NAIC group) | Verified landlord product page |
|---|---|---|---|---|
| 1 | State Farm | A+ (Superior) | 23.48% (company 23.47% in CO DOI) | Rental Dwelling |
| 2 | Allstate | A+ (Superior) | 11.91% (Allstate V&P 9.55% in CO DOI) | Landlord insurance |
| 3 | Liberty Mutual | A (Excellent) | 11.06% | Landlord insurance |
| 4 | Travelers | A++ (Superior) | 6.33% (Travelers Personal 5.32% in CO DOI) | Landlord insurance |
Sources: Colorado DOI 2025 Insurance Industry Statistical Report, Line 4 Homeowners; NAIC 2025 Market Share Reports for Property/Casualty Groups, homeowners multiple peril by state by group; Travelers AM Best rating action, Aug 21, 2026; Allstate AM Best affirmation Sept 2, 2026; Liberty Mutual product page rating disclosure; State Farm carrier profile rating A+ (Superior). Product pages accessed October 13, 2026. Liberty Mutual ranks above Travelers on Colorado group share; Travelers holds the higher AM Best grade.
1. State Farm: largest Colorado homeowners writer with a rental dwelling form
State Farm is first because it combines the largest Colorado homeowners book with a clearly documented rental product. In Colorado DOI’s company table, State Farm Fire and Casualty wrote about $1.352 billion of Colorado homeowners multiple-peril premium, a 23.47% share of the $5.760 billion statewide total. In the NAIC’s 2025 group report, State Farm Group wrote $1.352 billion (23.48%) with a 38.12% loss ratio.
State Farm’s Rental Dwelling page describes coverage for accidental, direct physical loss to the rental dwelling and the landlord’s personal property there, plus:
- Dwelling for covered repairs or reconstruction of the dwelling and other structures on the same property.
- Personal property for covered losses to furniture and other property rented with or used to maintain the property.
- Loss of rents for fair rental value if a covered loss makes the dwelling uninhabitable.
- Liability for covered liability lawsuits against the owner.
State Farm also notes common exclusions such as flood, earthquake, continuous seepage and earth movement. Tenants need their own renters insurance for belongings. See our State Farm carrier profile, then compare quotes for your Colorado rental.
2. Allstate: top-tier Colorado book and a detailed landlord package
Allstate ranks second for Colorado scale and a detailed public landlord package. Allstate Insurance Group held 11.91% of Colorado homeowners premium in 2025 ($685.8 million written) with a 26.25% loss ratio. Allstate Vehicle and Property was the second-largest single company in Colorado DOI’s company table at $550.1 million (9.55%). AM Best affirmed Allstate’s A+ (Superior) financial strength rating on September 2, 2026, with a stable outlook.
Allstate’s landlord insurance page says landlords and hosts coverage helps protect against sudden, accidental losses, including fire, wind, hail and other covered perils, plus liability, medical protection and fair rental income if a covered loss makes the unit uninhabitable. Standard coverages listed include:
- Dwelling protection for the rental property and attached structures such as a garage, porch or deck.
- Other structures for stand-alone garages, sheds and similar buildings.
- Liability if you are considered at fault after an accident, damage or loss related to the property.
- Medical protection for reasonable medical expenses if a covered person is injured on the property, regardless of fault.
- Fair rental income for rent you would otherwise lose while the unit is uninhabitable due to a covered loss.
Allstate notes that floods, earthquakes and water backup are typically excluded, and that tenant belongings are not covered. See our Allstate profile.
3. Liberty Mutual: customizable landlord form among Colorado’s largest writers
Liberty Mutual ranks third as a top-four Colorado homeowners group with an online landlord quote path and an explicitly customizable form. Liberty Mutual Group held 11.06% of Colorado homeowners multiple-peril premium in 2025 ($636.9 million) with a 33.93% loss ratio. In Colorado DOI’s company table, Liberty Mutual affiliates include American Economy at $338.3 million (5.87%) and Safeco of America at $180.7 million (3.14%). Its landlord insurance page states an AM Best financial strength rating of A (Excellent) and lists standard coverages for dwelling, premises liability, wind/hail and fair rental value, with inflation protection as an add-on.
Liberty Mutual says landlord insurance helps cover the structure and property used for maintenance, and that bundling landlord with home insurance may reduce cost where discounts apply. Availability and discounts vary by state. Our Liberty Mutual profile summarizes the broader book.
4. Travelers: top AM Best grade and a 1-to-4 unit landlord policy
Travelers ranks fourth on financial strength and a clear landlord form. AM Best affirmed the group’s A++ (Superior) financial strength rating on August 21, 2026, with a stable outlook, the highest grade on AM Best’s scale. In Colorado, Travelers Group wrote 6.33% of 2025 homeowners premium ($364.6 million) with a 35.48% loss ratio. Travelers Personal Insurance Company wrote $306.6 million (5.32%) in Colorado DOI’s company table.
Travelers’ landlord insurance page says the policy is generally designed for rental properties with one to four units, including apartments, condominiums and single- or multi-family homes you own or rent to others. Coverages described include:
- Premises liability for bodily injury or property damage arising from use of the rental property, with limits of $100,000 or higher available.
- Medical payments with a $1,000 limit included if liability is purchased (higher limits available), not applying to you or regular residents.
- Property for the rental dwelling, other structures and the landlord’s personal property in the unit.
- Loss of use for fair rental value while the property is repaired after a covered loss.
Travelers does not publish average landlord premiums. Our Travelers review covers AM Best, market share and complaint indexes in more detail. Travelers converted a historical North Carolina landlord lead on this site, which is why we keep its landlord form in the ranking queue for lead states.
How Colorado property claims satisfaction compares (J.D. Power 2026)
Landlord claims ride on the same property claims machinery as homeowners claims. J.D. Power’s 2026 U.S. Property Claims Satisfaction Study, based on 5,093 homeowners who filed a claim in the prior nine months, put overall industry satisfaction at 702 on a 1,000-point scale.
| Rank in study | Company | Score |
|---|---|---|
| Highest | Amica | 773 |
| Second | The Hartford | 756 |
| Third | Chubb | 744 |
| Industry | Overall | 702 |
We did not move Amica, The Hartford or Chubb into the Colorado landlord product ranking above because we could not verify a current public landlord product landing page for them on October 13, 2026, or because their Colorado homeowners share is modest relative to the four carriers above. Profiles: Amica, The Hartford, Chubb.
What Colorado landlords should ask about hail, wildfire and the FAIR Plan
Colorado rentals face hail and wildfire pricing that owner homeowners already feel in DOI data. Colorado DOI’s hail one-pager says hail is the number-one cost driver of homeowners insurance in the state, with hail accounting for 26% to 54% of average premium statewide across carriers representing about 80% of market premium. Wildfire’s share of premium ranged from 0.9% to 24.6% and was more concentrated in high-risk counties. Hail-resistant roof upgrades showed potential savings of $82 to $387 per year in DOI’s county sample, versus $3 to $25 for wildfire mitigation discounts.
When voluntary coverage is unavailable, Colorado’s FAIR Plan offers limited last-resort property coverage. The enabling statute (HB23-1288) was signed May 12, 2023, and Colorado DOI notes residential homeowners policies became available April 10, 2025. Ask every landlord quote how hail deductibles are set (flat dollar vs percentage), whether wildfire underwriting restricts the address, and whether FAIR Plan placement is part of the offer.
What a landlord policy should cover
Across the verified pages above, the core package is consistent even when labels differ:
- Dwelling / building for the rental structure.
- Other structures for detached sheds and garages.
- Landlord personal property for appliances and furnishings you own at the rental (not the tenant’s belongings).
- Liability and medical payments for injuries and lawsuits tied to the premises.
- Fair rental value / loss of rents / fair rental income while a covered loss keeps the unit offline.
Flood and earthquake almost always need separate policies. For cost drivers and why no official Colorado landlord average exists, see our Colorado landlord insurance cost guide, the national landlord insurance cost guide and best landlord insurance companies. City pages for Colorado Springs, Denver, Aurora, Fort Collins and Boulder link related landlord guides automatically when tagged. To add liability above your landlord limits, compare the best umbrella insurance companies. Sibling state listicle: best landlord insurance companies in Washington and best landlord insurance companies in Arkansas.
Frequently Asked Questions
Which landlord insurance company is best in Colorado?
For small landlords who want a verified rental product from a large Colorado property writer, State Farm ranks first on this page because of its 23.47% company share, 23.48% 2025 group share and documented Rental Dwelling coverages. Travelers is the strongest on AM Best’s scale at A++. Your best carrier is the one that will insure your property at the limits you need, so request quotes for the same dwelling limit and liability limit.
Does homeowners insurance cover a Colorado rental property?
Usually not for a full-time rental. State Farm, Allstate, Travelers and Liberty Mutual each describe landlord or rental-dwelling forms separate from an owner-occupied homeowners policy. Ask for a landlord quote rather than assuming your old HO-3 carries over once tenants move in.
Is there an average landlord insurance cost in Colorado?
No official statewide landlord average is published by Colorado DOI or the NAIC. The NAIC’s Colorado dwelling fire form average of $964 is collected for one-family owner-occupied buildings and is not a landlord average. See Colorado landlord insurance cost for those benchmarks labeled correctly.
How do hail and wildfire affect Colorado landlord quotes?
Colorado DOI attributes a large share of homeowners premium to hail statewide and a more location-specific wildfire share. Confirm wind/hail deductibles, roof age credits and wildfire underwriting on every quote before you compare premiums.
How do I compare Colorado landlord quotes fairly?
Hold dwelling limit, liability limit, deductible, hail treatment and loss-of-rent months constant across carriers. Shop State Farm, Allstate, Liberty Mutual and Travelers side by side through our quote form, and check city pages for Colorado Springs and Denver for local context.
How we verified this page
Colorado company market share comes from Colorado DOI’s 2025 Insurance Industry Statistical Report (Line 4 Homeowners), and group shares come from the NAIC 2025 P&C market share report, both fetched October 13, 2026. Hail and wildfire cost-driver figures come from Colorado DOI’s hail one-pager. AM Best grades come from dated rating actions or carrier/product disclosures cited above. Landlord coverage lists summarize the carriers’ public product pages on the same date. We did not use competitor comparison sites or unpublished premium averages. See our methodology.
Important disclosures
Averages are not quotes. Official averages blend many policies, coverage amounts and locations. Your premium depends on your property and the insurer’s underwriting.
Coverage descriptions summarize public pages and are not policy contracts. Availability varies by ZIP code and underwriting.
About Insurance 8020. Insurance 8020 is an independent insurance comparison and education resource. We are not a licensed insurance producer, broker or agent, and nothing on this page is a recommendation to buy any specific policy. We may earn a referral fee when you request a quote through our partners, at no cost to you.