Colorado insurance regulator

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person

$25,000

Bodily injury liability, per accident

$50,000

Property damage liability

$15,000

Personal injury protection (PIP)

$5,000 MedPay is included unless rejected. This is not PIP.

Uninsured motorist coverage

Insurers must offer it; you can reject it in writing

UM/UIM is included unless rejected in writing.

Source: Auto Insurance - Colorado Division of Insurance · C.R.S. § 10-4-620; § 10-4-609; § 10-4-635 · Reviewed Sep 13, 2026

These state-established programs cover homes that private insurers won’t. They’re meant as a last resort: coverage is often more limited and can cost more, so shop the private market and ask an agent first. Eligibility rules vary.

• Colorado FAIR Plan FAIR Plan

  Basic coverage for homes and belongings against fire, lightning and smoke, paid at actual cash value, with some optional added coverages such as wind and hail.

  Where: Statewide. You must show that insurers have turned you down.

  Claims: 833-554-5425

Checked against each program’s website on Sep 13, 2026. Reviewed Sep 13, 2026.

NFIP claims, 2016–2025

529

$4.1 million paid

NFIP claims in 2025

50

$549,696 paid

Standard homeowners and renters policies usually don’t cover flood damage. These figures count only National Flood Insurance Program claims. See all states and how we calculate this

Source: FEMA OpenFEMA NFIP Redacted Claims. Not adjusted for inflation.