A serious accident or lawsuit can exceed your auto or home liability limits. When that happens, your savings, home equity, and future wages may be at risk.
Umbrella insurance adds an extra layer of liability protection, often starting at $1 million, at a relatively modest cost.
Common situations we help with
Multi-car accidents
Injuring several people can exceed standard auto limits quickly.
Pools, trampolines, and dogs
Home features increase liability exposure.
Teen drivers
Inexperienced drivers raise the chance of a serious claim.
How we solve it
Coverage above existing limits
Kicks in when home, auto, or boat liability runs out.
Broad protection
May cover certain claims like libel or slander not covered elsewhere.
Legal defense
Can help with defense costs in covered lawsuits.
The outcome: coverage you understand, priced fairly, with a local agent behind it.
Start with a free consultation. We'll review your current policy and show you real options.
Umbrella Insurance for Colorado Springs residents
Colorado Springs homeowners with growing equity, rental properties, or teen drivers are strong candidates for umbrella insurance.
Our office at 3667 Star Ranch Rd serves Colorado Springs and nearby Broadmoor, Cheyenne Mountain, Skyway, Stratton Meadows, Ivywild, Fort Carson, Manitou Springs.
Umbrella Insurance FAQs
How much does umbrella insurance cost?
A $1 million policy is often affordable relative to the protection. We'll quote your exact cost.
Do I need umbrella insurance if I'm not wealthy?
Yes, lawsuits can target future income, not just current assets.
What do I need before buying umbrella?
Typically certain minimum liability limits on your home and auto policies.
Related coverage
Clients who ask about umbrella insurance often also review:
Liability Insurance
Protection when you're responsible for injuries or property damage.
Home Insurance
Protect your house, belongings, and liability against hail, fire, and theft.
Auto Insurance
Full auto coverage for Colorado roads, from I-25 commutes to mountain drives.
Boat Insurance
Coverage for boats, pontoons, jet skis, and trailers on Colorado lakes.