What You Pay for Landlord Insurance in Denver — Average Prices & Breakdown

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In Denver, landlord insurance commonly costs between $7,854 and $27,488 per year, with $14,693 as the typical price.

The Colorado market sets a baseline, but Denver neighbourhoods vary. Access, parking and the age of the building can each add to a landlord insurance bill.

Typical cost at a glance

United States planning figures, per year
LevelPrice
Low~$7,854
Typical~$14,693
High~$27,488

Cost by type

TypeLowTypicalHigh
Baseline cost at the advertised rate~$7,854~$17,671~$27,488
Best-qualified applicant scenario~$6,440~$16,002~$25,564
Weaker-credit scenario~$8,482~$22,108~$35,734
Origination and third-party fees~$942~$4,182~$7,422
Shorter term with higher payment~$8,011~$20,224~$32,436

All figures per year.

What moves the price of landlord insurance

What pushes landlord insurance toward the top of its range? Premium materials, awkward access, urgent scheduling, extra permits and disposal. Each is optional to a degree, and each should be itemised before you compare totals.

Timing your landlord insurance

Urgent landlord insurance work is priced for speed: overtime, priority materials and squeezed schedules all add cost. Planning a few weeks ahead is often the simplest way to stay near $14,693.

How to compare quotes for landlord insurance

For landlord insurance, a fair comparison means identical scope. If one quote includes permits and cleanup and another does not, the cheaper total may not be cheaper at all.

What Landlord Insurance typically costs

Landlord Insurance does not carry one published price. Across Denver, most jobs fall between $7,854 and $27,488 per year, and the number in between, about $14,693, is the fairest single figure to plan around.

Getting quotes for landlord insurance

A good landlord insurance quote lists what is included, what is excluded and how long the price is held. If it does none of those, ask for a revised version.

Frequently asked questions

How much does landlord insurance cost?
Most landlord insurance falls between $7,854 and $27,488, with a typical figure near $14,693 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. It is worth testing that against a couple of quotes in Denver.
What affects the price of landlord insurance?
Providers price risk as well as work. A job with unknowns costs more to guarantee, which is why two quotes for the same request can differ so much. Local providers in Denver can confirm how that applies to your area.
Is Landlord Insurance cheaper in smaller cities?
Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. In Denver, that is worth confirming with a local provider before you commit.
How many quotes should I get for landlord insurance?
Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The answer can shift with the Denver market, so check locally.

Keep comparing

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These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.