Insurance Policies That Everyone Needs


Insurance is one of those things that many people don’t think about until they need it. Much like a lifeboat, when trouble comes, everyone wants on it.  It may be that the only time you even think about insurance is when you get your bill.  We would like to change that way of thinking. Insurance should be part of your family’s overall financial plan.

With the right kind of insurance, your family and financial future can be protected at a very reasonable cost. Most financial planners will welcome an insurance review as part of their planning for you.  Remember, insurance is not one size fits all.  The proper insurance program can, and needs, to be developed based on your individual needs.

Have you experienced any of these changes?  These will affect your insurance.

  • Bought or sold a car
  • Changed your marital status
  • Do you now work from home?
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Received a major inheritance
  • Retired
  • Have a disability
  • Have a new teen driver in the family

Here Are Our Must Have Insurance Policies

Auto Insurance

We are always searching for ways to help our clients save money on their auto insurance. Saving money on your insurance is a relatively quick way to lower the cost of operating your car in Colorado, and can be accomplished with a quick phone call to our office.  There are many ways to lower your auto insurance costs without eliminating needed coverage.

Homeowner’s/Renter’s Insurance

With all the options you have these days, buying the right kind of homeowner’s insurance can be confusing.  Some advertisements want us to believe that purchasing homeowner’s insurance should only take 7 minutes! Making purchases too quickly can cause mistakes.  Taking time to consider your options can save you money and future headaches. If a fire, tornado, or other disaster damages your home or your possessions, this insurance will cover your house and material belongings.  Flooding is not covered under a homeowner’s or renter’s insurance policy.


Disability Insurance

If you and your loved ones depend on your salary for financial support, then you probably need disability income insurance. Think about it, if you were to become disabled, even for a few months, how would you and your family manage? Disabling illness or injury is one of the leading causes of personal bankruptcy in the United States. Just like any other form of insurance, disability insurance (short term or long term) promises compensation in the eventuality of an injury or handicap that prevents the policy owner from continuing his/her normal occupation.

Identity Theft Insurance

Your identity is one of your most important assets.  Violation of your identity is frightening and can be costly, but most consumers tell themselves it cannot happen to them. No one is immune to identity theft. It’s the fastest growing crime in America.

Life insurance

According to the latest information, most people do not have enough life insurance. Only six out of ten people have even considered life insurance, and many who do have life insurance don’t think they have enough. 70% of households with children say they are just barely meeting their needs. However, what would happen to those families if a portion, or all, of their income were lost due to the death of a spouse?

The key to purchasing the right amount of life insurance is to purchase enough to meet the needs of your family. Healthy people get better rates on life insurance. You will be asked to pay a higher rate if you smoke, take medications regularly, are overweight, or have a bad driving record.

If you’ve been putting off purchasing life insurance because you don’t want to pay the premiums, you may be doing yourself a disservice in the long run. If you are in good health, buy it now.

Health Insurance

Healthcare reform has created many questions and concerns for individuals. When considering health insurance, you want the most coverage for yourself and your family.  We can provide you with guidance and support in selecting a plan that is best suited for you. We have identified a number of factors for you to consider when selecting an individual plan.

Long Term Care Insurance

Nursing and end-of-life care can easily wipe out a family’s lifetime of savings.  Long-Term Care Insurance provides a daily stipend for various kinds of care.  This is essential for those approaching 60, either for yourself or for your aging parents.  The annual cost of a private room in a long term care facility can be well above $60,000.

Davidson Stewart Morelock Independent Insurance Group LLC (DSM) was formed in 2008 (Originally Stewart Morelock Insurance, est. 2005) by insurance professionals with over 50 years of combined experience in the property & casualty insurance industry….experience includes; senior officers of regional insurance companies & wholesalers, reinsurance brokers, personal & commercial insurance production agents, agency owners, underwriting managers & agency directors. DSM is directly appointed with all major insurance carriers and brokers, and has the capability to place virtually all lines of business and personal lines insurance.