How to Understand Property Insurance in Colorado

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    • 1). Review the written materials provided by your homeowners' insurance company. The insurance company likely sent you communication materials and brochures in addition to your policy. Read the materials to get a better understanding of your current coverage.

    • 2). Visit the Colorado Department of Regulatory Agencies Insurance Division's website and read the section called "Homeowner Information" (see References). You will find several pages and links containing information about homeowners insurance, including consumer tips, premium guides and information on coverage for disasters, flood and wildfires.

    • 3). Call the Colorado Division of Insurance at 303-894-7499 or email insurance@dora.state.co.us for assistance. Consumer representatives can help you understand your policy and answer your questions about property insurance.

    • 4). Contact several homeowners' insurance companies to inquire about policies and obtain quotes. Provide your Colorado address and answer questions about how much coverage you may need. Insurance companies can help explain any Colorado regulations about property insurance coverage.

    • 5). Contact a property insurance agent licensed in Colorado. Agents can explain policy details and advise you on how much coverage you may need. The agent will also help you find a policy and compare policy features and premiums quotes. Lastly, the agent will file the application on your behalf and assist you with any necessary paperwork. Go to the National Association of Health Underwriters' website to search for an agent in your area (see References).

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