Non-renewed in Colorado? Here is your playbook.
A non-renewal in Colorado means your insurer is ending your policy at its normal end date, not canceling it early. You have notice time to work with, a regulator whose consumer team handles this every day, and a path back to coverage. The general playbook is in the main guide; below is what is specific to Colorado.
Your regulator: Colorado Division of Insurance
Minimum notice periods and non-renewal rules are set by state law and change; get the current numbers from the source rather than a blog. The Colorado Division of Insurance publishes consumer guidance and runs a complaint line. If your notice period looks short or the reason contradicts your policy history, file a complaint; it is free and creates the record regulators act on.
What we are tracking in Colorado right now
Colorado risk-model transparency law for property insurance takes effect
HB25-1182, officially titled Risk Model Use in Property Insurance Policies (session law Chapter 278), signed by Governor Polis on May 28, 2025, took effect July 1, 2026. Insurers that use wildfire or catastrophe risk models must submit model data to the Division of Insurance as part of rate filings, incorporate parcel-level and community-wide mitigation in those models or provide premium discounts to policyholders who demonstrate mitigation, give policyholders annual written notices stating their wildfire risk score, the range of possible scores, and the impact of each mitigation action, and allow policyholders to appeal their risk scores (acknowledged within 10 days, decided within 30).
Source: Colorado General Assembly · verified 2026-07-13
Colorado enacts SB26-155 creating the Strengthen Colorado Homes Enterprise
Governor Polis signed SB26-155, officially titled Increase Access Homeowner’s Insurance Enterprise, creating the Strengthen Colorado Homes Enterprise within the Division of Insurance. The enterprise, funded by fees on admitted insurers and governed by a seven-member board, will run a grant program to help homeowners retrofit resilient (fortified) roof systems against hail, the state’s top premium cost driver, and study options for reducing wildfire-related insurance costs. The act takes effect August 12, 2026.
Source: Colorado General Assembly · verified 2026-07-03
Colorado FAIR Plan begins accepting residential applications
Colorado’s new insurer of last resort, created by 2023 legislation, began accepting applications from residential property owners on April 10, 2025. Applicants must show declinations from three admitted insurers.
Source: The Colorado Sun · verified 2026-07-02
Before calling agents, check the Colorado carrier tracker so you know who has verified recent activity.
This guide explains options in general terms and links primary sources for specifics. It is not insurance, legal, or financial advice; confirm details with a licensed Colorado agent or Colorado Division of Insurance.