Chief Bret Gibson spoke about the uninsured and underinsured home owners.
He suggests looking at this website, as well as the highlighted Colorado specific information on the site:
A Guide to Your Homeowners Policy (click/review/downoad)
Consider getting Flood Insurance and also looking at Terrorism Insurance which covers incidents where there is intent to harm which one would not necessarily think of as terrorism (i.e. someone hitting your house with a vehicle). Take pictures of your valuables and create a list of the contents of your house. In addition, make sure you have a list of what to take and do in an evacuation situation.