Denny Dahl and his wife dreamed for years of having a cabin in the mountains and when they bought one near Idaho Springs in 2020, the home away from home became “a paradise.”

The dream began to feel like a nightmare when their insurance company, which the Denver couple had scrambled to find, announced a stratospheric increase of 740%. Their home insurance would skyrocket from $4,677 to $34,600 for 2025.

“I thought it was a joke. But no, it was real,” said Dahl, who believes the company wanted to get out of insuring homes in the mountains because they’re seen as vulnerable to wildfires.

After consulting insurance brokers, the Dahls found a policy for $3,353 through USAA, which caters to military members, veterans and family members. The company then knocked $1,000 off the original quote

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