Things first time homeowners should know about home insurance

Being a first-time homeowner can be very scary. There are so many things that you need to learn. Home insurance is not something most new homeowners know a lot about. You will learn quickly with the help of your independent insurance agent. At Davidson Insurance Agency in Evergreen, CO, we are happy to share our expertise with our customers. 

There is more than one kind of content coverage.

Content coverage protects your possessions if a covered hazard damages or destroys your home. You can choose the current value, which is what your items are worth today. If your sofa is five years old, it will be worth less than a new sofa due to depreciation. Replacement cost will provide the amount you need to buy the same sofa today. If you want to replace everything you have, this is probably the option to choose. 

Home insurance doesn’t cover everything.

Like most kinds of insurance, home insurance has exclusions. Your policy will list the exclusions if you read it, which most people don’t. It doesn’t cover floods, earthquakes, landslides, mudslides, sinkholes, wear and tear, and owner neglect. 

Some coverage has limits.

Read your policy; some coverage is limited. Your jewelry coverage may be only $2000. If you have an engagement ring, it probably isn’t fully covered. Get an appraisal of your best jewelry and then increase your coverage.  

You can add endorsements.

Your home policy is customizable. You can add endorsements to provide the limit of coverage you prefer for your most precious items. You can also add coverage for some of the exclusions. 

Contact Davidson Insurance Agency in Evergreen, CO for all your home insurance needs. Call our office or stop by to discuss how we can help.

How to Prepare Your Home for Spring

It doesn’t matter if it is your first home, your third home, or if you own multiple homes – protecting your home is a top priority for homeowners everywhere. That is also why homeowners from in and around Evergreen, CO turn to the trusted and professional agents at the Davidson Insurance Agency for all their home insurance needs.

What Homeowners Should Know About Protecting Their Homes

The truth is and what every homeowner should know, is that there is no way to guarantee that your home won’t be burglarized, struck by an act of nature, or some other unforeseen event. That is the bad news.

The good news, however, is that we can take measures to help protect our homes, such as alarm systems and good home maintenance. Home insurance is one more step that homeowners should have in place to help with issues like replacing stolen property, storm damage, and other threats.

How to Prepare Your Home for Spring

Spring is always a good time to make sure your home is ready for a new year. From exterior inspections to testing your AC unit and security system, preparation now can prevent expenses, loss, and headaches later. And it will also help your home better endure the season ahead. This is also a good time of year to ensure your home insurance policy is up-to-date and that your home has the coverage you need and deserve.

We Are Here To Help

If you are looking for home insurance and live in the Evergreen, CO area, then look no further than the Davidson Insurance Agency for all your home insurance needs. Contact us to learn more and get the home insurance you need today.

How Your Landscaping Can Impact Your Home Insurance Policy

Landscaping isn’t just about creating an aesthetically pleasing outdoor space; it can also affect various aspects of your home, including your home insurance policy. Davidson Insurance Agency in Evergreen, CO is here to explain how your landscaping choices can impact your home insurance coverage and costs.

Overgrown Trees and Liability

Overgrown trees on your property can pose a risk. If a tree falls and damages your home or a neighbor’s property, you may be held liable. Home insurance typically covers damage caused by fallen trees, but if it’s deemed that you neglected maintenance, it could affect your claim and potentially your rates. Regularly maintaining your trees and ensuring they are healthy and well-trimmed can help mitigate this risk.

Swimming Pools and Safety

If you have a swimming pool in your backyard, it can be a significant factor in your insurance policy. Insurance companies consider pools as potential safety hazards. To mitigate this, you may need to install safety measures such as a fence or a pool cover. Taking these precautions can not only enhance safety but also have a positive impact on your insurance coverage.

Landscaping for Fire Safety

In areas prone to wildfires, landscaping can play a crucial role in fire prevention. Creating defensible spaces by using fire-resistant plants and maintaining a safe distance between vegetation and your home can reduce the risk of fire damage. Some insurance providers may offer discounts for homeowners who take steps to protect their property from fire risks.

Your landscaping choices can impact your home insurance policy. By addressing potential liabilities, you can potentially reduce your insurance costs. If you’re in the market for a new homeowners’ insurance policy in Evergreen, CO, call Davidson Insurance Agency today. 

Four problems you can avoid with home insurance

Home insurance is an important asset to any homeowner. At Davidson Insurance Agency, we insure homes in Evergreen, CO.

Carrying home insurance can save homeowners from a variety of problems.

The following are four problems you can avoid with home insurance:

Facing high liability expenses due to a lawsuit

Homeowners sometimes face lawsuits because of accidents that occur in their homes. These lawsuits can lead to high expenses. Fortunately, home insurance protects you against expenses that result from liability issues in your home. 

Being unable to get financing for a home purchase

Home insurance is a requirement for mortgage loans. Your lender won’t approve you for a mortgage unless you purchase insurance for the property that you have financed. 

Losing investments that you make in your home

Without insurance, you will have to pay out of pocket for repairs to your home. This puts the investments you make in your home at risk. When you have home insurance, your home can maintain its value without any expense for you when accidents occur that cause damage to your property. 

Having nowhere to stay if your home is uninhabitable

Damage to your home caused by an event like a fire or a plumbing emergency could make it so that you can’t stay in your home anymore. One of the best features of home insurance is that it can offer coverage for alternative living quarters while your home is being repaired. 

Reach Out To Us

Let us insure your home at Davidson Insurance Agency to save you from all kinds of headaches. Call us so that you can get a quote on a home insurance policy for your property in Evergreen, CO. 

How does home insurance protect someone in Colorado?

Being a property owner in the Evergreen, CO area can be a great option for many people. When you are looking to own a home in this part of the state, getting insurance for it should be a priority. When you are insured with a home insurance plan, it can help to protect you in various ways. 

Cover Your Assets

One of the benefits of investing in a home insurance plan in this part of the state is that it is a great way to cover your assets. When you purchase a home, you will likely be making the largest investment and purchase of your life. An ideal way to ensure this investment is protected is by getting a home insurance policy. When you get this coverage, it will offer support to help repair your home if you incur damage from fire, vandalism, or other covered claims. It will also offer coverage for personal items up to a certain amount. 

Reduce Liability Risks

Your home insurance plan will also help to reduce your liability risks. There are various liability risks that come with owning a home and being found liable for an accident could cause a claim. When you have a home insurance plan, it will provide some liability coverage that can help to mitigate these risks. 

Reach Out To Us!

If you are looking to buy a home and you live in the Evergreen, CO area, you clearly will want to get insurance for it. A great way to ensure you are selecting the right plan for your situation is by calling our professionals with Davidson Insurance Agency. If you do call our team with Davidson Insurance Agency, you can be assured that you will receive proper guidance to assess your needs and options and select your next policy. 

Do I Need Home Insurance After Paying Off My Mortgage?

Congratulations! You’ve finally done it—you’ve paid off your mortgage. But now you may be asking yourself, do I still need home insurance in Evergreen, CO after paying off my mortgage? 

Yes, home insurance is still needed after you have paid off your loan. Davidson Insurance Agency explains why.

The Importance of Home Insurance

Home insurance provides financial protection for you and your family in the event of any major damage to your home or property, such as a fire or natural disaster. Without home insurance, any repairs that need to be made would come out of pocket, which can be financially devastating. It is still important to keep coverage on file to protect yourself from unexpected events.

In addition to protecting your finances, many states also require homeowners insurance for certain reasons. For example, lenders often require proof of homeowners insurance before approving a loan or refinancing an existing loan. This protects the lender from taking on additional risk by extending credit without the security of an insurance policy backing it up.

Types of Coverage You Need

Now that you know why home insurance is necessary, let’s discuss what kind of coverage you need. The most common types of coverage include dwelling coverage and liability coverage. Dwelling coverage covers physical damages caused by natural disasters like fires or floods while liability coverage offers protection against someone getting hurt on your property and covers legal costs associated with a lawsuit if necessary. 

Home insurance should always remain in place even after paying off your mortgage. It’s important to understand what type of coverage you need so that you are properly protected from any potential issues that may arise down the road. More questions? Contact Davidson Insurance Agency in Evergreen, CO today.

Things that home insurance won’t cover

You buy home insurance to provide peace of mind and, in some cases, because you are required to by your mortgage holder. You may or may not be aware that no home policy covers everything that could possibly go wrong. There are always exclusions. Being aware of them and making the necessary adjustments is vital. At Davidson Insurance Agency in Evergreen, CO, we are independent insurance agents who work for you to find the personalized home insurance policy you desire.

Home Insurance Exclusions

Owner neglect

Your insurance company will hold no unrealistic expectations that you will maintain your home. It is your responsibility as a homeowner. If you neglect the care of your home, your home insurance will not cover the resulting damage. This includes things like termites, mold, rodent damage, and wear and tear. 


Floods are one of the most damaging natural disasters and happen in many locations across the United States. Traditional home insurance does not cover flooding. You need to purchase a separate policy through the National Food Insurance Program in order to get the protection you may need. 

Earth Movement

Earth movement is not covered by home insurance either. This includes not only earthquakes but sinkholes and landslides. These are all types of earth movements. In order to be covered, you will need to purchase an endorsement providing this coverage. 

Sewer or sump pump backup

Having your sewer backup into your home is disgusting and not something anyone wants to have to deal with. It is even worse to discover that your home insurance isn’t going to pay for the cleanup and any damage that results. This coverage can be obtained through an addition to your policy at an additional charge. 

Get The Right Coverage For Your Home Today

Contact Davidson Insurance Agency in Evergreen, CO for any home insurance needs you may have.