Insurance
Homeowners Insurance in Colorado
Published September 24, 2026 · Last updated October 1, 2026
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Rebuild coverage insurers must offer
Before issuing or renewing certain replacement-cost policies, Colorado insurers must offer you two extra coverages. Neither one is automatic.
| Coverage | What it does | Offer required |
|---|---|---|
| Extended replacement cost | Pays above your dwelling limit if rebuilding costs more than expected | At least 50% of your dwelling limit |
| Law and ordinance | Pays extra costs to meet current building codes when you rebuild | 20% of your dwelling limit |
After a wildfire, when hundreds of homes rebuild at once, labor and materials can cost far more than your policy limit. Code upgrades can add even more. These two coverages exist for that.
Your insurer must explain what each one costs. Your declarations page must show whether you bought or rejected them. If you reject them, you get a separate notice showing what they would have cost.
Ask for the rebuild estimate. Colorado insurers must share how they estimated your home's rebuild cost. Check it against your home's size and features.
Additional living expenses: how long they last
If a covered loss forces you out of your home, additional living expenses (ALE) pay for rent, hotel, and other extra costs.
- Colorado law requires at least 12 months of ALE on a primary home policy.
- Your insurer must also offer 24 months. Ask for it.
- The state's view is that ALE can't have a dollar cap or a percentage cap, though it can be limited to a reasonable standard of living.
Your rights after a wildfire total loss
These protections apply when an owner-occupied home is a total loss in a wildfire the governor has declared a disaster:
- Belongings without a full inventory. Your insurer must offer at least 65% of your personal property limit without making you list every item first. You can still file an inventory later for more.
- Longer living expenses. ALE must last at least 24 months, plus two 6-month extensions (up to 36 months) if permits or rebuilding delays aren't your fault.
- Fast ALE payments. Your insurer must pay documented living expenses within 20 days. A signed lease counts as proof.
- Time to rebuild. You get at least 36 months from the first payment to rebuild and collect full replacement cost, plus two 6-month extensions (up to 48 months).
After a declared wildfire, the state has also ordered temporary pauses on cancellations and non-renewals in affected areas.
When your insurer can cancel or not renew
- At least 60 days' notice before canceling or not renewing, with the specific reason stated.
- 10 days' notice if it's for not paying your premium.
- An insurer generally can't cancel or drop you just for asking a question about your coverage. If you're only asking, say so clearly so it isn't opened as a claim.
If no one will insure your home: the Colorado FAIR Plan
Colorado created a FAIR Plan in 2023 for homeowners who can't get coverage in the regular market, often because of wildfire risk. It has sold homeowners policies since April 10, 2025. Coverage is more basic than a standard policy, so ask whether you'll need a second policy to fill the gaps.
Hail and your roof
Hail is a big reason Colorado prices run high. Check two things on any quote:
- Your wind and hail deductible. Some are a percentage of your dwelling coverage, not a flat amount.
- How your roof is paid. Some policies pay only the depreciated value for an older roof.
Impact-resistant shingles may earn a discount with some insurers. See hail damage roof repair and metal roofs.
Watch out for disaster scams
After a big storm or fire, scammers follow. Colorado's rules help:
- Public adjusters must be licensed. After a catastrophic disaster, they can't charge more than 10% of your settlement or ask for money before the claim is paid.
- You can cancel a public adjuster contract in writing within 72 hours of signing.
- Get more than one contractor bid, ask for proof of insurance, and never sign a contract with blanks.
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