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Wildfire, Disasters & Insurance Information
Insurance-related information about what can be done before a disaster strikes, if under an evacuation order or alert or post-disaster.
Toolkit for Homeowners and HOAs on Insurance
With recent challenges in Colorado regarding homeowners insurance and insurance for HOAs, the Division of Insurance has developed a toolkit with information like common terminology, resources and frequently asked questions about current issues, coverage and strategies to help navigate the market.
Welcome to the Colorado Division of Insurance
The Colorado Division of Insurance (DOI) regulates the insurance industry in Colorado. We help consumers by answering their questions, investigating their complaints, and helping them to understand their insurance. We regulate and monitor the insurance companies in Colorado, as well as insurance agents, making sure everyone is following the law.
- Are You Disaster Ready?
Are You Disaster Ready? - The Division of Insurance encourages Coloradans to be prepared for the variety of disasters that can pummel the state - wildfires, hail, floods, tornadoes and windstorms, severe thunderstorms and extremes of heat and cold.
- Insurance Products
- Health Insurance Initiatives
- Colorado Prescription Drug Affordability Review Board & Advisory Council (SB21-175)
- Health Insurance Affordability Enterprise (SB20-215)
- Reinsurance Program (HB19-1168)
- Colorado Option for Health Coverage (HB21-1232)
- Primary Care Payment Reform (HB19-1233)
- Out-of-Network Health Care Provider Reimbursement (HB19-1174)
- Catastrophic Health Plans (SB18-132)
- Insulin Affordability Program: Emergency & 12-Month Supply
- Find Lost Life Insurance Policies
- Life Insurance Policy Locator
- The Life Insurance Policy Locator is a tool that was developed by the National Association of Insurance Commissioners (NAIC) that matches beneficiaries with lost or misplaced life insurance policies or annuities. Consumer requests are encrypted and secured to maintain confidentiality. Participating insurers compare submitted requests with available policyholder information. If there is a match, companies contact beneficiaries or their authorized representatives. Insurance companies have 90 days to research inquiries.
- Money Recovered for Coloradans by the Division
- Money Recovered by the Division of Insurance
- 2019 - $18,404,626
- 2018 - $19,990,667
- 2017 - $34,798,329
Newsroom
December 3, 2025 - With Open Enrollment for 2026 now open, the Division shares tips on how to identify plans that may not cover the care you need.
November 19, 2025 - Division Releases Annual Complaint and Recoveries Report
November 4, 2025 - The Colorado Division of Insurance has approved a decrease of 6.9% in loss cost for 2026, a 56.8% Cumulative Reduction over 12 years.