Home & Auto Insurance – Protect Your Property in Colorado
(719) 600-2228
Coverage That Works as Hard as You Do
Your home and vehicle are two of the biggest investments you’ll ever make. At Evergreen 360, we help Colorado Springs families protect both with thoughtfully designed property and casualty insurance solutions. From hailstorms in Peyton to winter driving along Powers Boulevard, we understand the local risks and help you stay covered with confidence.
What Homeowners Insurance Should Actually Cover
Home insurance in Colorado Springs isn’t just a mortgage requirement—it’s a financial safety net. A standard policy generally includes:
Dwelling coverage
Protects the physical structure of your home, including walls, roof, and built-in features, against covered risks.
Personal property
Covers the cost to repair or replace furniture, electronics, clothing, and other valuables if they’re damaged or stolen.
Liability protection
Provides financial protection if someone is injured on your property or if you’re held responsible for property damage.
Additional living expenses
Pays for temporary housing, meals, and other costs if your home becomes uninhabitable due to a covered loss.
The Evergreen 360 Planning Difference
But every home is unique, especially in areas prone to wildfires or hailstorms. We’ll help you make sure your policy reflects your home’s true replacement cost, includes key endorsements, and considers add-ons like jewelry riders, water backup coverage, or wildfire-specific protections if you live near places like Palmer Lake or the Black Forest.
We also believe in flexibility. Our planning philosophy blends traditional investing with modern strategies like using annuities as a fixed-income component to reduce market volatility. This approach helped many of our clients stay on track through inflation and market dips.
Most importantly, we keep things approachable. No jargon. No pressure. Just clear, forward-looking conversations to help you make informed decisions.
Auto Insurance That Aligns With Your Lifestyle
We also believe in flexibility. Our planning philosophy blends traditional investing with modern strategies like using annuities as a fixed-income component to reduce market volatility. This approach helped many of our clients stay on track through inflation and market dips.
Most importantly, we keep things approachable. No jargon. No pressure. Just clear, forward-looking conversations to help you make informed decisions.
How Our Planning Process Works
Liability protection
Required by Colorado law, it covers bodily injury and property damage you cause to others in an accident.
Collision and Comprehensive Coverage
Protects your vehicle against damage from accidents, theft, vandalism, weather, and other non-collision events.
Policy Limits
Sets your coverage amounts to align with your overall financial plan and protect your assets.
Medical Payments and Uninsured Motorist Options
Helps cover medical expenses for you and your passengers, and protects you if you’re hit by an uninsured or underinsured driver.
We’ll also explore ways to lower your rates—whether that’s bundling with home insurance, applying safe driver discounts, or adjusting deductibles to meet your comfort level. For high-net-worth individuals or families with multiple vehicles, we may recommend umbrella coverage for additional liability protection.
Other Property Coverage You May Need
Renters Insurance
Renters insurance in Colorado Springs, covering your belongings and personal liability
Umbrella Insurance
Umbrella insurance to provide extra protection beyond standard policy limits
Business Property Insurance
Business property insurance (coming soon), especially for our entrepreneurial clients
Why Work With an Independent Advisor for Home & Auto?
Unlike single-carrier agents, Evergreen 360 works independently—allowing us to compare coverage options from multiple leading insurers. That means you get:
- A better chance at competitive premiums
- Coverage that actually fits your needs, not a sales quota
- Seamless integration with your mortgage, estate, or retirement planning
We’re here to help you make informed decisions with clarity, not pressure.
Frequently Asked Questions About Property & Casualty Coverage
Rates vary based on home value, location, coverage levels, and other factors. Wildfire-prone areas may have higher premiums. We’ll help you compare quotes and understand your true cost.
Yes—bundling often results in a discount and makes managing your policies easier. We’ll evaluate if bundling is right for you and which carriers offer the best combined value.
Often, yes. Minimum coverage may not protect you fully in a major accident. We’ll review your net worth, risk tolerance, and vehicle use to recommend appropriate limits.
Yes—lenders require proof of homeowners insurance to close on your mortgage. We can coordinate with your loan officer to make the process smooth and timely.
No. While retirement is a major focus, we also help clients manage major transitions, plan for college, buy or refinance a home, and prepare for the unexpected.
Schedule Your Strategy Conversation
Complete this 30-second form to receive a no-obligation consultation. We will analyze your situation and determine the best solution.