Log Cabins vs. Timber Frames: Which is Harder to Insure in Colorado?
Solid log walls carry a natural 1-hour fire rating — so why do log homes cost more to insure? The underwriting factors that actually drive mountain-home premiums.
Read article →PeakCalc Blog
Colorado insurance, wildfire risk, and home affordability insights — written for homeowners, renters, and anyone trying to make sense of Colorado's market.
Boulder vs. Colorado Springs: A Cost of Living and Risk Profile Comparison
One Front Range city has $1M+ medians and county-wide insurance scrutiny; the other splits sharply between foothill WUI zones and standard-rate plains. The full head-to-head.
Read article →How to Shop for Fire Insurance After a Non-Renewal Notice
A 30- or 60-day notice starts the clock. The step-by-step path through admitted carriers, surplus lines, and the FAIR Plan fallback — before force-placed coverage kicks in.
Read article →The True ROI of a Fire-Resistant Roof in the Front Range
Class 4 impact resistance earns 15-35% premium discounts; Class A fire assemblies are now code in many WUI zones. The math on whether the upgrade pays for itself.
Read article →Can My HOA Stop Me From Creating Defensible Space? (Colorado Law Explained)
Colorado law protects your right to wildfire mitigation — even when HOA covenants say otherwise. What CCIOA § 38-33.3-106.5 requires before you fire up the chainsaw.
Read article →The Hidden Costs of Buying a Mountain Condo: Special Assessments & Snow Removal
Mountain condo HOA fees run double Denver's — and a single special assessment can hit five figures. What to inspect in the reserve study before you close.
Read article →Property Tax Spikes in Colorado: How Reassessments & Expirations Impact Payments
Colorado reassesses property values every odd year — and expired temporary exemptions just pushed bills higher. How the cycle works and when to appeal.
Read article →The Colorado FAIR Plan Explained: Who Qualifies and What It Costs?
Turned down by three insurers? Colorado's new state-backed FAIR Plan is the insurer of last resort — but its coverage caps and actual-cash-value payouts come with serious catches.
Read article →Inflation Guard vs. Extended Replacement Cost: Reading Your Dec Page
A dwelling limit set in 2022 won't rebuild a home at 2026 construction costs. How Inflation Guard, Extended Replacement Cost, and Ordinance or Law endorsements actually work.
Read article →Is My Colorado Home in a WUI Zone? Understanding Wildland-Urban Interface Building Codes
Colorado's new Wildfire Resiliency Code is now enforceable in WUI zones — and even a roof replacement can trigger it. What the code requires and how to check your property.
Read article →The true cost of mountain living: Denver vs. Colorado ski towns
Ski-in, ski-out is the dream. But moving 9,000 feet up introduces a mountain markup that affects every line item in your monthly budget.
Read article →Are you underinsured? The growing gap between Colorado home values and rebuild costs
Market value is what someone will pay for your home. Rebuild cost is what a contractor will charge to rebuild it. In Colorado, that difference is catching thousands of homeowners off guard.
Read article →Got a non-renewal notice from your Colorado insurance company? Here's what actually happens next
What to do when your homeowners insurance isn't renewed — your rights under HB25-1182, the FAIR Plan option, and the steps that give you the best chance of finding new coverage.
Read article →HB25-1182 explained: your new rights as a Colorado homeowner
Starting July 1, 2026, Colorado homeowners gained new legal rights when dealing with insurers — including the right to see your risk score, require mitigation credits, and formally appeal non-renewals.
Read article →How to create defensible space and lower your Colorado insurance premium
Exactly how to create defensible space around your Colorado home — zone by zone, cost by cost — and how it affects your insurance premium.
Read article →