denver
If you do not have a Homeowners policy that routinely raises your coverage on a yearly basis due to rising home values in your area, make sure you amend your level of coverage to match your home’s value.
colorado springs
It is necessitated by all drivers to carry obligatory liability limits of at least $25,000 per person bodily injury, $50,000 total for bodily injury and $15,000 for property damage liability.

Colorado Homeowner Bill of Rights

In January 2005, Senate Bill 100 took effect to guard homeowners from inequitable treatment by insurance companies.

The bill basically offers quite a few important protections concerning homeowners insurance. To put it briefly, it is necessary for insurance companies to reveal to consumers if they use a loss history record when endorsing homeowner insurance. This might be comparable to a credit history for a person, though, instead of looking at your credit history, your insurance claims history is considered upon.

Certain important protections stated in this bill are:

Insurance companies are restricted to view only the preceding 5 years of the claim history of a consumer. This limits the time a consumer can be reprimanded for precedent losses.
Inquiries for information can no longer be taken as a claim. This can help consumers to gain more information before they decide to file a claim with the homeowner’s insurance company.
The policy can not be cancelled in the in the middle of the policy term until and unless there has been a policyholder deception, falsification, non-payment, an infringement of terms or conditions, and considerable increases in risk of loss after insurance coverage has been issued. The insurance company does not have the authority to withdraw or repudiate to renew policies for the first claim in a five-year period. This protects consumers from losing their homeowners insurance for filing a claim.
It is necessary for the insurance company to provide at least 30 days' notice of policy restitution or non renewal. This would give the consumer time to find insurance from a different company if their policy is not improved.
The insurance must not be canceled, elevate rates, or not renewed a policy attributable to claims made by preceding ownership while the causes of those claims are being bargained.