ZestyAI Teams Up With Colorado FAIR Plan on Homeowners Cover

The latest from ZestyAI for you;

ZestyAI, the leader in AI-powered climate and property risk analytics, has announced a partnership with the Colorado FAIR Plan to expand insurance access for homeowners facing coverage challenges. The partnership leverages ZestyAI’s AI-driven risk models—Z-FIRE™, Z-HAIL™, and Z-WIND™—to deliver property-specific risk assessments for wildfire, hail, and wind. These insights will support risk-based pricing and help the Colorado FAIR Plan guide homeowners on mitigation strategies.

“Our mission is to ensure every Coloradan has access to insurance that reflects their property’s actual risk, not outdated assumptions,” said Kelly Campbell, Executive Director of the Colorado FAIR Plan. “ZestyAI’s models will help us bring greater resiliency to the market while equipping homeowners with practical mitigation guidance.”

The Colorado FAIR Plan estimates nearly 30,000 families classified as high-risk under traditional models to be eligible for coverage under the Plan. By incorporating granular risk data, the Plan can better align premiums with actual risk while offering homeowners actionable steps to protect their properties. The goal is to provide those who invest in mitigation a quicker transition back to the standard insurance where they can find better coverage at a more competitive price.

Colorado regulators have prioritized risk-based pricing and transparency to stabilize the insurance market. Colorado Insurance Commissioner Michael Conway has led efforts to integrate mitigation into coverage decisions, aligning with the FAIR Plan’s adoption of ZestyAI’s AI-driven insights.

“This partnership ensures risk assessments reflect real property conditions—not just broad classifications—so homeowners can access both coverage and meaningful mitigation guidance,” said Bryan Rehor, Director of Regulatory Affairs at ZestyAI. “Through AI-powered insights, we’re helping homeowners secure risk-aligned coverage options.”

ZestyAI’s risk platform integrates aerial imagery, historical building permits, geospatial data, and structural attributes to provide precise, property-level risk insights. Insurers using ZestyAI’s models can assess key risk factors—including vegetation proximity, roof condition, and building materials—to inform underwriting, pricing, and mitigation recommendations to policyholders.

The collaboration builds on ZestyAI’s success with the California FAIR Plan, which expanded coverage for hundreds of thousands of homeowners in 2024. The Colorado Department of Insurance’s recent approval of Z-FIRE™, Z-HAIL™, and Z-WIND™ further reinforces ZestyAI’s credibility as a leading provider of risk models.