Updated August 17, 2026. Quick answer: In Colorado your insurer must give you at least 60 days’ written notice before it declines to renew your homeowners policy, and the reason has to be in the notice. If that notice is late or defective, the code states no consequence at all. Ending the policy mid-term is a separate event on a separate clock: 60 days. Every answer below is quoted from Colorado’s own code and the section is named and linked, because this is the kind of question where the section number is the answer.
What Colorado law settles, in four lines
| Question | What the code says | Section |
|---|---|---|
| Notice required before non-renewal | 60 days | C.R.S. § 10-4-110.7 |
| Must the insurer state a reason | The reason has to be in the notice | C.R.S. § 10-4-110.7 |
| If the notice is late or defective | The code states no consequence at all | C.R.S. § 10-4-110.7 |
| Notice required for mid-term cancellation | 60 days | C.R.S. § 10-4-110.7 |
Which policies this covers. Colorado defines “homeowner’s insurance” broadly for this purpose — site-built, manufactured, factory-built and mobile homes are all inside it. C.R.S. § 10-4-110.6
Two different letters are in play and the codes handle them separately. A non-renewal declines to write the next term: the policy runs to its expiration date and stops. A cancellation ends the policy mid-term, before the date you have paid through, and is usually limited to grounds the statute lists. The first thing to establish about the letter in front of you is which one it is — in Colorado the two carry the same notice period, and the rest of the answer follows from that word rather than from the state.
How much warning Colorado requires
60 days. The number on its own is not the rule, though — a day count means nothing without the two things the statute states and the comparison tables drop: what it counts back from, and when the clock starts. Both are on the face of the section quoted here.
An insurer shall not cancel or refuse to renew a policy of homeowner’s insurance unless such insurer mails, by first-class mail to the named insured, at the last address shown in the insurer’s records, at least sixty days in advance, a notice of its intended action that specifically states the reasons for proposing to take such action; except that, where cancellation is for nonpayment of premium, the insurer shall provide at least ten days’ notice of cancellation accompanied by the reasons for taking such action.
Whether they have to tell you why
In Colorado, the reason has to be in the notice. That matters more than it looks: the reason is the thing you would have to dispute, and a notice that gives none is a notice that does not comply.
(3) An insurer shall not cancel or refuse to renew a policy of homeowner’s insurance unless such insurer mails, by first-class mail to the named insured, at the last address shown in the insurer’s records, at least sixty days in advance, a notice of its intended action that specifically states the reasons for proposing to take such action; except that, where cancellation is for nonpayment of premium, the insurer shall provide at least ten days’ notice of cancellation accompanied by the reasons for taking such action.
What a late or defective notice actually gets you
This is the part of the law worth knowing and the part that almost never appears in a comparison table. In Colorado, the code states no consequence at all.
10-4-110.7. Cancellation or nonrenewal – homeowner’s insurance policies. (1) (a) If
The other letter: mid-term cancellation
60 days, and this is the clock that applies when the insurer ends the policy before its expiration date rather than declining the next term.
An insurer shall not cancel or refuse to renew a policy of homeowner’s insurance unless such insurer mails, by first-class mail to the named insured, at the last address shown in the insurer’s records, at least sixty days in advance, a notice of its intended action that specifically states the reasons for proposing to take such action; except that, where cancellation is for nonpayment of premium, the insurer shall provide at least ten days’ notice of cancellation accompanied by the reasons for taking such action.
What is specific to Colorado
- Colorado is the clean case where the two clocks really are one. A single sentence governs the insurer that would “cancel or refuse to renew”, so the 60 days is the same number for both events by statute rather than by a table’s error. C.R.S. § 10-4-110.7
- Two sections commonly cited for Colorado home insurance do not govern it. Both were read in full and both are scoped to a list of commercial exposures — general comprehensive liability, municipal liability, fidelity and surety, errors and omissions and the like — with homeowners nowhere in it. C.R.S. § 10-4-110.6
- The homeowners section was read in full, all five subsections, and it states no consequence for a late, missing or non-compliant notice: no continued policy, no extended term, no compelled renewal. That is the answer, not a gap in the reading. C.R.S. § 10-4-110.7
What this page does not tell you
- Currency risk on 3 of the five answers. The text was read verbatim, but from a surface whose own currency could not be confirmed against the legislature’s site. Check the section before relying on it.
- This is what the code requires, not what a court has done with it. No case law was read. A state whose courts supply a remedy the code omits will read as silent here, and that is the honest limit of a statutory page.
- Your policy can be more generous than the statute and never less. These are floors. Your own contract may promise more notice; it cannot promise less.
- Catastrophe moratoria are a separate rule. Several states suspend non-renewals in a declared-disaster area on their own timetable, with their own trigger. Folding that into a notice period would misstate both.
- No federal answer exists to check this against. Congress left the business of insurance to the states, so the answer is genuinely different in every jurisdiction and a national number is not a thing that exists.
Two neighbouring questions are answered elsewhere: the claims file your insurer read before deciding and what your lender buys if you end up uninsured.
Sources
Every figure on this page was read from the section linked beside it and the quotations were machine-checked against the bytes of the page each was retrieved from. 0 of the 255 cells in the underlying 51-jurisdiction table rests on a secondary source.
| What it supports | Section | Tier | Read on |
|---|---|---|---|
| Which policies the statute reaches | C.R.S. § 10-4-110.6 | statute | 2026-08-14 |
| Notice required before non-renewal | C.R.S. § 10-4-110.7(3) | statute | 2026-08-14 |
| Must the insurer state a reason | C.R.S. § 10-4-110.7(3) | statute | 2026-08-14 |
| If the notice is late or defective | C.R.S. § 10-4-110.7 | statute | 2026-08-14 |
| Notice required for mid-term cancellation | C.R.S. § 10-4-110.7(3) | statute | 2026-08-14 |
Other states in this set: California, Florida, Louisiana, Massachusetts, Minnesota, New York, North Carolina, Oklahoma, South Carolina, Texas, Washington. All 51 jurisdictions are compared on the by-state non-renewal table.
General consumer information, not financial, tax or legal advice. State insurance codes are as published by the cited source on 2026-08-17 and change without notice; your own policy and your state’s insurance department govern.