Eligibility
Who Qualifies
To be eligible for the Colorado FAIR Plan, you must:
Own a Property Considered Uninsurable: Factors such as wildfire risk, hail risk, claims history, age, and location can make some properties ineligible for coverage in the standard insurance market.
Consult With an Agent: The Colorado FAIR Plan can only be accessed through a licensed insurance agent. You can find an agent registered with the FAIR Plan.
Submit Proof of Declinations: You must provide proof that three different insurance companies have declined to insure your property. Your agent can help you gather this information.
Note: Eligibility is determined solely by the inability to secure insurance from a standard insurer, not by financial need, property size, or other factors.
If you’re unsure about your eligibility or if you don’t meet the Colorado FAIR Plan criteria, contact your insurance agent to explore other options available through standard insurers or the surplus lines market.
Not sure if you’re eligible?
Colorado FAIR Plan coverage is not meant to replace standard insurance. It exists for those who cannot find coverage elsewhere.
We provide limited coverage, only covering the actual cash value of your home, not the cost to rebuild or replace it.
Always explore standard insurance options before applying for Colorado FAIR Plan coverage.
Important Reminders
Need Help?
Please call our toll-free number at (833) 554-5425 to speak with a member of our Customer Care Team.