Commercial & Residential Coverage Resources
What We Offer
Colorado FAIR Plan coverage differs from the coverage provided by traditional insurance plans. There are several resources that can help you better understand Colorado FAIR Plan products.
Commercial Coverage Resources
There are a variety of resources available to help you find the right insurance coverage for your property. We’ve shared a few here to get you started.
CSP Class Codes & Mixed Occupancy Rules
Commercial Coverage FAQ
Sample Commercial Policy
Residential Coverage Resources
There are a variety of resources available to help you find the right insurance coverage for your property. We’ve shared a few here to get you started.
Personal Lines Inspection FAQ
Policy Comparison
Sample Dwelling Policy
Note: Supplemental DIC products may be available to enhance your coverage options. Contact your agent for more information and to determine if DIC products may be a good fit for you.
Additional Resources
There are a variety of resources available to help you find the right insurance coverage for your property. We’ve shared a few here to get you started.
Colorado Homeowner Toolkit
Consumer Tips
Need Help?
Find an Agent
Find an agent to help you apply.
Make a Payment
Use our online system to make a payment.
Report a Claim
Learn how to report a claim.
Disclaimer
The FAIR Plan only provides basic property insurance with a $750,000 limit for homeowners or a $5,000,000 limit for commercial properties. This means coverage is limited to essential protections, such as fire and lightning. Some limited extended coverages may be purchased for things like Windstorms or Hail, Explosions, Riot, or Civil Commotion; Vehicles Smoke Volcanic Eruption, Vandalism, and Malicious Mischief. General exclusions will include Ordinance or Law, Earth Movement, Water Damage, Power Failure, Neglect, War, Nuclear Hazard, Intentional Loss, and Government Action.
However, the premiums for FAIR Plan coverage are typically higher than standard insurance due to the increased risk associated with the property. FAIR Plan policies only provide coverage for the actual cash value (ACV) of the property. They are NOT replacement cost coverage. ACV is determined by the replacement cost less depreciation.
Need Help?
Your agent is your primary resource for information about the Colorado FAIR Plan. After contacting them, if you still have questions, feel free to call our Customer Care Team at (833) 554-5525, Monday through Friday, 8:30 a.m. - 5:00 p.m. MT.