Insurance

As the insurance crisis deepens in the West and across the country, policies known as surplus lines are becoming more important. This lightly regulated and previously niche corner of the insurance market comes with a number of risks, and a new report from Climate Cabinet Education offers policy recommendations.

Colorado health insurance prices poised for another big jump in 2027. State and federal subsidies, though, will blunt the price increases for people with lower incomes. Prices for coverage next year will increase by an average of 10% across the state and by even more for those who live in the mountains or on the Western Slope.

In 2025, roughly 4.5% of Utah homeowners policies — or nearly 1 in 20 — were not renewed by insurance providers. That’s the highest rate in the country, and 1.5% higher than the number two state California.

Blame wildfires and hail — made more destructive by climate change — for the deteriorating insurance situation in the West. Add in hurricanes and other disasters elsewhere, and it’s a nationwide trend — one that a new report from the advocacy group the Insurance Fairness Project says is threatening home sales.

Insurance regulation is complex, in part, because it’s done state-by-state, meaning there are dozens of different schemes across the country.

Mountain communities stuck with helping to foot bill for Front Range hail hazard. Listen to "Morning Edition" host Michael Lyle, Jr. discuss this article with Steamboat Pilot reporter Suzie Romig and read the entire story at the link below.

New data also points to major insurance impacts in places surprising to many, including the Snake River Plain.

A consumer advocacy group is asking top insurance companies to adopt a list of nine protections aimed at increased transparency and fairness.

Hughes’ insurer, Anthem, fully covered the nearly $2,400 ambulance ride and some smaller radiology charges from the ER but denied the surgery and overnight stay charges from the out-of-network hospital.

Most Colorado homeowners do not have enough insurance coverage to rebuild their house after a total loss. That’s according to our new research examining whether homes destroyed in Colorado’s Marshall Fire — which burned more than 1,000 houses in suburban Boulder County — have been rebuilt.