What Is Included In Our Homeowners Insurance?

 In Arizona, CO Insurance, Davis Insurance, Davis Insurance Agency, Home Insurance, House Insurance, Insurance, Insurance Wheat Ridge, Renters Insurance, Wheat Ridge, Wheat Ridge Insurance

Everyone wants to save money and have the best benefits. That is why being an insurance Broker allows Davis Insurance to offer the best coverage at the best prices for your needs.

After all, we know you wan to protect the investment you’ve made in your home at a price that fits your budget.

Homeowner’s insurance helps offer financial protection to your home and its contents when they are damaged. It also helps provide liability protection in the event that someone is injured on your property.
For example, homeowner’s insurance will help pay for the damages in the event that:
  • Your roof is crushed by a falling tree in a hurricane.
  • A guest slips and injures him or herself on a loose brick in your walkway.
  • Vandals throw rocks through your windows.
However, not all homeowners insurance policies are the same.
What all is covered in a Homeowner’s Policy?
Homes can be as different as the people who live in them. Check out all these popular homeowners insurance coverage options. Our experts can help you select the right home insurance options to cover the unique place you live in, the things you value and your assets.

Dwelling Coverage

Helps protects your home and the structures directly attached to it. This can include coverage for electrical wiring, plumbing, heating and air conditioning as well as larger structures like staircases and walls. Tip: Choose the right amount of coverage – enough to cover the cost to rebuild your house in the case of a total loss.
Other Structures – Helps cover buildings on your property that aren’t attached to your house. For example, if a tree falls on your garage that is not attached to your house, someone drives through your picket fence or your shed collapses from heavy snow, this coverage can help pay for the damage.
Personal Property – Helps protect your personal belongings such as furniture, clothing and appliances. You can purchase additional coverage for valuable items and other special possessions such as jewelry and rare or collectible items.

Property Coverage

Loss of Use – Helps pay your living expenses up to policy limits if you cannot live in your home due to a covered loss. For example, if your house is under repairs after a fire does significant damage, this coverage will help pay the costs for you to stay in a hotel while the repairs are being done.
Liability – Helps protect you in two ways. First, it provides for your legal defense against a liability claim (lawsuit). Second, it will help pay any court judgments against you for covered losses, up to the policy limit. For example, your pet injures a neighbor or guest, or your long drive on the golf course injures someone on the fairway. This coverage can help pay for damages that you are held liable for.

Personal Liability Coverage

Medical Payments – Helps pay emergency medical bills if someone is injured on your property. It also covers any injury caused by a member of your family or your pet regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not. This coverage is needed for something as simple as a guest tripping and falling down your staircase. Homeowner’s liability insurance can help when you are left to pay the medical bills.
Hopefully this helps you understand a little bit about what you are seeking when getting homeowner’s quotes.

Have a great day!


The Davis Insurance Agency (an Affordable American Insurance company) in Wheat Ridge, CO offers auto, car, home, house, fire, workmen’s compensation, antique car, classic car, commercial, business, life, motorcycle, renters, ATV and RV insurance. Call us today for a free quote at (303) 233-1535

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