Homeowners insurance availability in Colorado
Colorado saw one of the largest premium increases in the country in 2025 (+33% per industry rate tracking), driven by hail and wildfire losses, marking it as a spreading edge of the availability crisis.
Carrier availability
We track verified changes to who is writing new homeowners business. A carrier listed as steady has no disruption on record and is generally still writing on its normal terms. Every change links a dated primary source.
| Carrier | Status | As of | Notes |
|---|---|---|---|
| American National | Exited | 2024-05-31 | Withdrew from homeowners lines starting 2024. |
Steady, no change tracked
State Farm · Allstate · USAA · Liberty Mutual · Farmers Insurance · Travelers · American Family · Nationwide · Chubb · Erie Insurance · Auto-Owners · Progressive · Mercury Insurance · CSAA (AAA) · Kin Insurance
Tracked activity in Colorado
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
American National withdraws homeowners product from Colorado
American National Group began withdrawing its homeowners product from nine states including Colorado starting in 2024, citing significant and persistent underwriting losses over the prior ten years.
Source: Insurance Journal · verified 2026-07-02
Non-renewed or can’t find coverage?
You have more options than the cancellation letter suggests: deadlines to act, the state’s last-resort program, and carriers that specialize in hard-to-place homes.
The Colorado non-renewal playbook