Just got quotes for landlord insurance for a SFH in Windsor and they're quoting me anywhere from $225-330 a month for their base package. Is anyone else renting homes here and have any advice? This seems quite high. Our property taxes are almost half of that a month.

@Josiah Crocker Windsor, Colorado right?

@Josiah Crocker Try Youngs Insurance Brokers here in Windsor.  I haven't used them personally but was referred to them by a colleague.  Let me know how that goes too if you can.

My 4000 sqft 7 bed student rooming house from the 1860s is about 450 a month for insurance. That's about as high risk of a property in the eyes of insurance company as it goes. Not sure how a SFH is that expensive. I'm sure you can find cheaper.

Are you getting a replacement cost or ACV insurance? ACV will be a lot cheaper if you only care about getting your investment back in the event of a disaster.

Also, is there a finished basement? I used to live in Windsor not too long ago and we had a pretty bad series of floods in a very short period of time. The flood insurance is probably what’s driving it so high. Ask for a quote without flood protection if you’re comfortable with it.

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