If you are renting a house or apartment in Colorado you can buy renters insurance that will cover loss or damage to your personal property inside of the home or apartment that you are renting. Your landlord is only responsible for the care and upkeep of the dwelling and can buy insurance to cover loss or damage to the dwelling.
As a renter you are not financially responsible for costs associated with any systems that may fail. Making sure that electrical wiring, plumbing and the HVAC system are all in proper working condition is the responsibility of your landlord. If a tree falls on the house you are renting, your landlord can file a claim with his insurance company. If part of the roof is damaged by a storm with 70 mile per hour winds, your landlord is responsible and has the option of seeking reimbursement for the loss by filing an insurance claim.
While renters insurance does not cover the costs of repairs to a damaged roof, if the damaged roof results in damage or loss to your personal property, it will pay to repair or replace the items that were damaged or destroyed.
If you live in Colorado, you know that a blizzard in the middle of the winter can cause a great deal of damage to a home. The high winds and heavy snow could cause a roof to be compromised and fail. In a worst case scenario, a part of the roof could be gone with the wind and leave a gaping hole. Snow and rain, and who knows what else, could go through the opening and cause damage to your big screen TV or your computer. In such a case, you could file a claim with your renters insurance and collect for the amount of the loss to your property.