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Bill

HB 1091

Homeowner's Insurance Data Privacy Protections

2026 Regular Session

Colorado bill restricts homeowners insurers' collection, use, and sharing of consumer property data to enhance privacy protections and limit unauthorized third-party access.

House Committee on Business Affairs & Labor Postpone Indefinitely
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WeVote Research Nonpartisan
Bill Summary · HB 1091

Legislative bill overview

HB 1091 establishes data privacy protections specifically for homeowners insurance transactions in Colorado. The bill likely restricts how insurance companies can collect, use, share, and retain personal and property data obtained during the homeowners insurance process.

Why is this important

Homeowners insurance requires detailed personal and property information, creating privacy vulnerabilities as this data is increasingly bought, sold, and analyzed by third parties. These protections could prevent insurers from using consumer data for purposes beyond underwriting and claims, and may limit data broker access to homeowner information.

Potential points of contention

  • Insurance industry compliance costs: Carriers may argue restrictions increase operational expenses through new compliance systems, which could be passed to consumers through higher premiums
  • Data utility vs. privacy balance: Insurers use consumer data for legitimate purposes like fraud detection and risk assessment; overly restrictive rules could hinder these functions
  • Scope ambiguity: Questions about what qualifies as "homeowners insurance data" and whether restrictions apply equally to traditional insurers, agents, and data brokers
  • Competitive disadvantage: Colorado-only protections might disadvantage local insurers competing against national companies operating under different state standards

Compiled from official sources — confirm details with the bill’s official record.

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