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      "text": "Trend in the level of concentration: It is also worth noting that the level of concentration of market shares held by the Top 5/10 carriers has been increasing over the recent years in Colorado, which was not the case at the countrywide level.",
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      "text": "The Colorado market is much more concentrated than the countrywide average. In 2021, the Top 5 carriers held 17.8 more percentage points of market shares (24.2 more percentage points for the Top 10).",
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      "text": "Market Shares (Direct Premiums Written) held by the Top 5 carriers – Homeowners Multi-Peril",
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      "text": "Overall level of concentration: The Colorado market is much more concentrated than the countrywide average. In 2021, the Top 5 carriers held 17.8 more percentage points of market shares...",
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      "text": "MARKET DYNAMICS OF FOR COLORADO HOMEOWNERS INSURANCE",
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