Mountain Insurance Insights

Telluride Insurance Blog

Expert insights for mountain property owners — from homeowners coverage to short-term rentals, ski liability to natural disaster protection.

12 articles publishedWritten by mountain insurance specialists

The Colorado FAIR Plan: What It Covers, What It Excludes, and Your New Right to a Mitigation Discount

If a carrier has non-renewed your mountain home over wildfire risk, two things changed recently that you need to know about: Colorado now has a FAIR Plan of last resort, and as of July 2026 insurers owe you a written explanation of your wildfire risk score and what mitigation would do to it.

August 28, 2026Read Article

Remote Property Coverage7 min read

Insuring a Remote Mountain Property: Access, Response Time, and Coverage That Fits

A property reached by a seasonal 4WD road or gated backcountry access isn't just harder to get to — it's a different insurance risk. Here's how access and response time actually factor into coverage, and what to ask a broker before you assume a standard policy fits.

August 24, 2026Read More

Natural Disaster Coverage7 min read

Wildfire Insurance in Telluride: Defensible Space and a Tightening Market

Wildfire-exposed Colorado mountain properties are facing a harder insurance market than they were a few years ago. Here's what defensible space actually means, how WUI risk mapping affects insurability, and what to do if a carrier non-renews.

August 17, 2026Read More

Structural Coverage7 min read

Snow Load, Roof Collapse, and What Your Policy Actually Covers

A heavy winter in the San Juans isn't just a wind-and-hail event repeated. Sustained snow load, ice damming, and roof collapse are their own category of risk — and your policy may treat them differently than you expect.

August 10, 2026Read More

Insurance Guide12 min read

How Much Dwelling Coverage Do I Need? Insuring a Telluride Home to Its Real Rebuild Cost

The dwelling limit on your policy is a rebuild estimate, and in a mountain town that estimate is the single easiest number on the declarations page to get badly wrong. Here is how to check it, what the 80% rule does when it is wrong, and why ordinance or law coverage matters more here than almost anywhere.

July 20, 2026Read More

Condo Coverage10 min read

Condo Insurance in Telluride: Loss Assessment Coverage and Where the HOA Master Policy Stops

Your HOA has a master policy, so you assume the building is covered. The question that actually matters is where that policy stops — because the line between the association's insurance and your HO-6 is different in almost every building in the box canyon.

July 6, 2026Read More

Commercial Coverage11 min read

Seasonal Business Insurance in Telluride: Workers' Comp, General Liability, and the Rules That Catch Ski-Town Employers

A business whose payroll triples in December and empties in May does not fit the assumptions behind a standard commercial policy. Here is what Colorado law actually requires of a seasonal employer, and where ski-town operators get caught.

June 18, 2026Read More

Insurance Guide8 min read

Why Telluride Homeowners Need More Than Standard Coverage

Standard homeowners policies are built for suburban homes — not 9,000-foot mountain properties. Here's what gaps you're likely sitting on, and how to close them before a claim exposes them.

June 1, 2026Read More

Short-Term Rentals8 min read

Short-Term Rental Insurance in Telluride: What Airbnb & VRBO Hosts Need to Know

Airbnb's Host Guarantee is not insurance. If you're renting your Telluride property through any platform, here's exactly what coverage you need — and what happens without it.

May 15, 2026Read More

Liability Coverage8 min read

Ski Liability Insurance: Protecting Your Family on the Mountain

The Colorado Ski Safety Act limits resort liability — it doesn't protect you from liability to other skiers. Here's what you need to know about personal ski liability and whether your current coverage is adequate.

May 1, 2026Read More

Second Home Coverage10 min read

Second Home Insurance in the Colorado Mountains: A Complete Guide

Mountain second homes face risks that primary residence policies aren't built for. Extended vacancy, extreme weather, remote management challenges — here's how to get coverage that actually works.

April 15, 2026Read More

Natural Disaster Coverage11 min read

Flood, Landslide & Natural Disaster Coverage for Telluride Properties

Your homeowners policy excludes flood, landslide, and earth movement entirely. In the San Juan Mountains, these aren't hypothetical risks — they're documented events. Here's how to build a catastrophe coverage package for mountain properties.

April 1, 2026Read More

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