# What You Pay for Landlord Insurance in Fort Collins — Average Prices & Breakdown

In Fort Collins, landlord insurance commonly costs between $1,700 and $13,000 per year, with $7,400 as the typical price.

Last updated: October 5, 2026

The Colorado market sets a baseline, but Fort Collins neighbourhoods vary. Access, parking and the age of the building can each add to a undefined bill.

Benchmarked against 5 nearby cities in Colorado.

## Landlord insurance cost breakdown

- Low: $1,700
- High: $13,000
- Typical: $7,400
- Unit: per year

| Scope | Low | High | Typical | Unit |
| --- | --- | --- | --- | --- |
| Baseline cost at the advertised rate | $1,700 | $13,000 | $7,400 | per year |
| Best-qualified applicant scenario | $1,400 | $12,000 | $6,700 | per year |
| Weaker-credit scenario | $1,800 | $17,000 | $9,400 | per year |
| Origination and third-party fees | $200 | $3,500 | $1,800 | per year |
| Shorter term with higher payment | $1,700 | $15,500 | $8,600 | per year |

## Landlord insurance cost guide

### What landlord insurance covers

Most Landlord Insurance bills come down to the amount advanced, the interest across the term and any fees. Two providers can describe the same Landlord Insurance differently, so compare the pieces rather than the headline total.

Because two providers can describe the same Landlord Insurance in different ways, ask each one to break the total into the same line items before you compare them.

### Choosing a lender for landlord insurance

Ask whether a licence or registration is required for this kind of work, confirm it with the regulator, and request proof of insurance before work starts.

Ask for two recent local jobs you can call, and read the written scope for what it leaves out as carefully as what it includes.

### The things that move a landlord insurance price

The amount, the term, your credit profile and whether fees are paid up front or added to the balance.

Where you are matters too: outlying areas add travel, and dense cities add access and permit overhead.

### Ways to keep landlord insurance costs down

Collect two or three written quotes and compare them line by line instead of on the bottom line, then ask what the price would be for payment in full.

When the work can be scheduled, moving it out of the busiest season usually lowers the bill. Ask whether a bundle or off-peak rate exists.

## Nearby cities

- [Aurora](https://currentcosts.com/aurora/landlord-insurance/)
- [Boulder](https://currentcosts.com/boulder/landlord-insurance/)
- [Colorado Springs](https://currentcosts.com/colorado-springs/landlord-insurance/)
- [Denver](https://currentcosts.com/denver/landlord-insurance/)
- [Lakewood](https://currentcosts.com/lakewood/landlord-insurance/)

## Related cost guides

- [Business Insurance costs](https://currentcosts.com/business-insurance/)
- [Closing costs](https://currentcosts.com/closing/)
- [Home Insurance costs](https://currentcosts.com/home-insurance/)
- [Cobra Insurance costs](https://currentcosts.com/cobra-insurance/)
- [Life Insurance costs](https://currentcosts.com/life-insurance/)
- [Pays Closing costs](https://currentcosts.com/pays-closing/)

## Frequently asked questions

### What should I budget for landlord insurance?

Plan around $7,400 for a typical Landlord Insurance, with most cases landing between $1,700 and $13,000 (per year). Those are planning figures rather than a quotation.

### Which parts of a landlord insurance bill move the most?

The amount, the term, your credit profile and whether fees are paid up front or added to the balance. That is why the same job can produce two very different totals.

### What is the smartest way to lower landlord insurance costs?

Line up two or three written quotes, compare the line items rather than the totals, ask about a paid-in-full discount, and schedule outside the busiest period when you can.

### What should I verify before hiring a lender?

Confirm any required licence or registration with the regulator, ask for current insurance, and speak to two recent local customers. Then read the quote for the exclusions.

Source: https://currentcosts.com/fort-collins/landlord-insurance/