If you live in Colorado, you’ve probably noticed insurance costs changing over the past few years. Between hailstorms, wildfire risks, and rising repair costs, the market has been challenging—but 2026 brings some good news. Many top insurance carriers are looking to grow their homeowner and auto insurance offerings in Colorado, and that means more options for you.
In this article, we’ll break down:
- Why Colorado insurance has been tough lately
- What leading carriers—Travelers, The Hartford, Safeco, Foremost Signature, and National General—are doing to help homeowners and drivers
- How you can take advantage of these trends to protect your home, car, and future
Why Has Insurance Been So Expensive in Colorado?
Colorado is beautiful—but it’s also one of the most catastrophe-prone states in the U.S. Here’s why:
- Hailstorms: Colorado ranks among the top states for hail damage. Roof replacements and repairs have driven up homeowners premiums.
- Wildfires: Events like the Marshall Fire caused billions in losses. Many homes were underinsured, leaving families struggling to rebuild.
- Inflation: Building materials and auto parts cost more, which means claims cost more.
The Rocky Mountain Insurance Information Association reports that homeowners premiums have jumped significantly in recent years, and auto insurance costs remain above the national average. These trends have forced carriers to tighten guidelines—but now, many are ready to grow again.
What Are Carriers Doing in 2026?
Here’s how five major carriers are approaching Colorado this year:
Travelers
Travelers has returned to profitability in personal lines and is ready to grow—especially with homeowners policies. They’re focusing on:
- Homes with impact-resistant roofs and wildfire mitigation
- Bundling discounts for home, auto, and umbrella coverage
- Competitive pricing for well-maintained properties
Tip for you: If you’ve upgraded your roof or created defensible space around your home, let us know. These improvements can help you qualify for better rates.
The Hartford
The Hartford is emphasizing bundled coverage and strong customer relationships. They want to insure households that value:
- Accurate replacement cost coverage (so you’re not underinsured)
- Multi-policy packages (home + auto + umbrella)
- Long-term stability
Tip for you: If you’re unsure whether your home is fully covered for today’s rebuilding costs, we can review your policy and adjust limits before disaster strikes.
Safeco (Liberty Mutual)
Safeco remains a key player for independent agents in Colorado. They’re focusing on:
- Homes with newer roofs and hail-resistant materials
- Flexible wind/hail deductibles to keep premiums affordable (ask about Wind/Hail Deductible Buyback policies to keep costs down.)
- Competitive auto rates when bundled with home
- Specialty insurance for motorcycles, boats, atvs etc.
Tip for you: If you’re open to a percentage-based hail deductible, you can often lower your premium without sacrificing coverage.
Foremost Signature
Foremost Signature offers tiered coverage options and is great for households who want to keep everything insured on one policy with one deductible:
- Homeowners coverage for primary residences
- Auto and umbrella policies for complete protection
- Specialty programs for rental properties, seasonal homes, and more
Tip for you: If you own a second home, rental property, or recreational vehicles, Foremost can help you insure everything under one roof.
National General
While they are not new on the scene, National General is the independent agency portal for Allstate. They have specialty policies for preferred auto and homeowner clients as well as substandard auto for those with more MVR activity. They’re expanding in Colorado with:
- Competitive auto rates for a wide range of driving histories
- Bundling opportunities with renters or homeowners coverage
- Payment flexibility for budget-conscious households
Tip for you: If your auto insurance has gone up recently, now is a great time to shop. We can compare NatGen with other carriers to find the best fit.
What Does This Mean for You?
Carriers are ready to grow—but they’re still cautious. That means your home and auto need to meet certain criteria to get the best rates. Here’s how you can prepare:
- Update Your Roof: Impact-resistant shingles can save you money and help you qualify for coverage. Also newer roofs can equate to increased options for lower deductibles and replacement cost coverage.
- Create Defensible Space: Trim trees and clear debris to reduce wildfire risk.
- Review Your Coverage Limits: Make sure your home is insured for today’s rebuilding costs—not what it cost five years ago. This is huge, as you shop an agent should run a new estimate for you and it may or may not be similar to your current coverage.
- Bundle Your Policies: Home + auto + umbrella = discounts and better protection.
- Consider Higher Deductibles: A percentage-based hail deductible can make premiums more affordable. A 2% wind/hail deductible may save a thousand dollars and the deductible buyback policy may only cost hundreds.
The Bottom Line
Colorado’s insurance market is challenging, but 2026 brings opportunities. Travelers, The Hartford, Safeco, Foremost Signature, and National General are all looking to grow—and that means more options for homeowners and drivers who take steps to protect their property.
Ready to review your coverage? Contact us today for a personalized quote. We’ll help you:
- Make sure your home is fully insured
- Find competitive auto rates
- Add umbrella coverage for extra peace of mind
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