Divorce changes everything—including your insurance. In Colorado, as you sort through property, custody, and finances, don’t forget to untangle your insurance policies too. Missed updates can leave you overpaying, unprotected, or accidentally covering someone you no longer live with.

Auto Insurance If both spouses are listed on one auto policy, it’s time to split it. You’ll each need individual coverage moving forward. Don’t wait until the divorce is final—start the conversation early, especially if one of you moves out or gets a new car.

Make sure vehicle titles match the policyholder. And if a teenager is on the policy, decide who will carry them and where the car is garaged. Typically, it’s the “primary” parent.

Homeowners or Renters Insurance If one person moves out and the other stays in the home, the policy needs to reflect that. You may need to update ownership or remove a named insured. The person who no longer lives there should not be liable for what happens on that property.

The person moving out should get renters insurance right away—even short-term housing deserves protection.

Life Insurance and Beneficiaries Colorado courts may require you to maintain a life insurance policy if you’re responsible for alimony or child support. Otherwise, review and update beneficiaries. You don’t want an ex-spouse listed on your policy by mistake.

Umbrella Policy Make sure any shared umbrella coverage is canceled or split. Each person should have their own policy tied to their new auto and property policies.

Health Insurance If you were on your spouse’s employer plan, you may be eligible for COBRA coverage temporarily. Eventually, you’ll need your own.

Document Everything Keep copies of all policy changes, cancellations, and confirmations. Insurance is one of the last things people think about during a divorce—until there’s a claim.