Did you know that your landlord’s insurance only covers the physical building—not your personal belongings? Whether you're living in a dorm, an off-campus apartment, or a house near campus, an unexpected fire, break-in, or water leak can lead to thousands in losses.
At Insurance Specialties Ltd., we make securing student renters insurance quick, easy, and tailored to fit your budget.
Budget-Friendly: Great coverage often costs less than a couple of coffees a month.
Instant Landlord Proof: We’ll send your certificate of insurance directly to your property manager.
Local Expertise: Proudly serving Fort Collins since 1989.
Insurance Specialties Ltd. is your go-to local agency specializing in comprehensive auto, home, and commercial insurance. Since 2025, we have proudly partnered with Geico to deliver competitive and reliable auto insurance in Fort Collins. Whether you're seeking personalized service or the best rates in Larimer and Weld counties, our expert agents are here to protect what matters most to you. Visit us today for a free policy review!
Coverage for Every Adventure and Every Day
At Insurance Specialties Ltd., we don’t just sell policies; we protect the lifestyle you’ve built. Whether you’re commuting to work or heading out for a weekend in the Rockies, our range of coverage ensures you can keep moving forward.
Here’s a breakdown of what we protect:
🚗 On the Road
We offer flexible options for all types of drivers, ensuring you have the right protection whether you need personal auto insurance or SR22 insurance in Fort Collins.
- Personal Auto: Standard coverage with a personal touch.
- Commercial Auto: Protecting your business vehicles and employees while on the clock.
- High-Risk Coverage: Specializing in SR-22 filings to help you get back on the road and stay compliant with state regulations.
- Motorcycles: Customized policies for cruisers, sportbikes, and touring motorcycles.
🚤 The "Summer Toys"
Northern Colorado is designed for adventure. We can ensure your recreational vehicles are covered, letting you focus on having fun.
- Boats & Personal Watercraft: Coverage for your time on the water.
- RV & Motorhomes: From weekend campers to full-time rigs.
- Off-Road Vehicles: Coverage for ATVs and UTVs.
🏠 Home & Lifestyle
Your home is your sanctuary. Our specialized policies protect your personal property and liability.
- Renters Insurance: High-value protection for your belongings and personal liability at an affordable rate.
- Flood Insurance: Essential coverage that standard homeowners' policies often overlook.
Why Choose Us?
Since our inception in 1989, our focus has been on providing a comprehensive multi-carrier experience. As a brokerage, we deliver the best of both worlds:
- Big-Brand Reliability: New for 2025, we’re excited to offer Geico products alongside our established partnerships with Progressive and Safeco Gold.
- Local Expertise: As a family-owned and operated agency in Fort Collins, we understand the specific needs and risks of our community.
Not sure which coverage you need? Let’s sit down and review your current portfolio to ensure there are no gaps in your protection.