PERSONAL UMBRELLA INSURANCE IN COLORADO SPRINGS
Protect what you have built with an extra layer of liability coverage that may extend beyond your qualifying home, auto, rental property, and recreational vehicle policies.
Independent Agency
Multiple Insurance Companies
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Insurance Experience Since 2011
Protection Beyond Standard Limits
An Extra Layer of Liability Protection
A serious accident or lawsuit can exceed the liability limits provided by a standard home or auto policy.
Personal umbrella insurance may provide additional protection after the limits of an eligible underlying policy have been reached.
WHAT PERSONAL UMBRELLA INSURANCE MAY HELP COVER
Coverage varies by carrier and policy, but personal umbrella insurance may help with eligible liability claims such as these.
BODILY INJURY CLAIMS
May help cover injuries to other people when you or a covered household member is legally responsible.
PROPERTY DAMAGE CLAIMS
May help pay for damage you cause to another person’s home, vehicle, or other property.
PERSONAL INJURY CLAIMS
Certain policies may provide coverage for claims involving libel, slander, defamation, or invasion of privacy.
LANDLORD LIABILITY
May provide additional liability protection for eligible rental properties listed on the policy.
INCIDENTS AWAY FROM HOME
Depending on the policy, coverage may extend to certain covered incidents occurring away from your residence.
LEGAL DEFENSE COSTS
May help pay eligible legal defense expenses associated with a covered liability claim, subject to the terms of the policy.
How It Works
Protection That Sits Above Your Other Policies
A Liability Claim Occurs
You or a covered household member is responsible for an eligible injury or property-damage claim.
Your Primary Policy Responds
Your qualifying home, auto, landlord, boat, or recreational policy pays up to its limit.
Your Umbrella May Respond
The umbrella policy may help cover eligible remaining costs up to the selected limit.
Who Should Consider It?
Coverage Designed Around What You Have to Protect
- Own a home or rental property
- Have savings or future income
- Have a teenage driver
- Own multiple vehicles or recreational vehicles
- Have a pool, trampoline, or dog
- Want higher personal liability limits
Why McCloskey Advisor Group?
Independent Advice. Personalized Protection.
Local Guidance
Work with an experienced Colorado insurance agent.
Multiple Carriers
Compare options from several insurance companies.
Clear Explanations
Understand limits, requirements, and exclusions.
Personalized Coverage
Choose protection based on your household and assets.
Umbrella Insurance FAQs
Answers to common questions about personal umbrella insurance from McCloskey Advisor Group, your local independent agency in Colorado Springs.
What is personal umbrella insurance?
Personal umbrella insurance provides additional liability coverage beyond the limits of qualifying underlying policies, such as home or auto insurance.
Does an umbrella policy replace home or auto insurance?
No. An umbrella policy generally works with your underlying insurance policies. Insurance companies normally require specific liability limits on those policies.
Does personal umbrella insurance cover business activities?
Personal umbrella policies generally exclude business and professional liability exposures. A commercial umbrella or other business policy may be needed.
Can an umbrella policy cover a rental property?
Some policies may extend coverage to eligible rental properties when they are properly disclosed and listed. Requirements vary by insurance company.
How much does personal umbrella insurance cost in Colorado?
Personal umbrella insurance is often surprisingly affordable for the amount of protection it provides. Pricing depends on the umbrella limit you choose, the number of homes, vehicles, and drivers in your household, your underlying policy limits, and your claims history.
How much personal umbrella coverage do I need?
Personal umbrella policies are commonly available in $1 million increments. A good starting point is to consider your net worth, savings, future income, and risk factors such as teen drivers, rental properties, pools, or dogs. We can help you choose a limit that fits your situation.
What underlying limits are required for an umbrella policy?
Insurance companies typically require certain minimum liability limits on your home and auto policies before an umbrella policy will apply. Requirements vary by insurance company, and we can review your current policies to make sure they qualify.
Can I add or adjust personal umbrella coverage later?
Coverage limits may usually be adjusted with approval from the insurance company. Let us know when you buy a home, add a vehicle or driver, or your net worth changes so we can review your limit.
Want extra liability protection for your family? We compare personal umbrella options from multiple insurance companies. Request a personal umbrella insurance quote.