Consumer Coverage Resources
What We Offer
The Colorado FAIR Plan offers commercial and residential property coverage. Our coverage differs from that of traditional insurance plans.
The FAIR Plan only provides basic property insurance with a $750,000 limit for residential property and contents or a $5,000,000 limit for commercial property and business personal property. Coverage is limited to essential protections such as loss due to fire, lightning, and smoke. Some limited extended coverages may be purchased for damage from Windstorms or Hail; Explosions, Riot, or Civil Commotion; Vehicles; 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.
FAIR Plan policies only provide coverage for the actual cash value (ACV) of the property and contents. They are NOT replacement cost coverage. ACV is determined by the replacement cost less depreciation.
There are several resources that can help you better understand Colorado FAIR Plan products and determine if they are right for you.
Commercial Coverage
Colorado FAIR Plan commercial coverage has a combined maximum amount of $5,000,000 for commercial property and business personal property.
Commercial Coverage FAQ
Sample Commercial Policy
Note: Colorado FAIR Plan commercial coverage can be used as a primary layer of coverage. If you need more than $5 million dollars of coverage, talk to your agent about what coverage options may be available.
Residential Coverage
We provide residential property coverage with a $750,000 limit for property and contents coverage. Learn more by viewing our residential coverage resources below.
Residential 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.
Mitigation Resources
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.
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.