Umbrella Insurance

Shield yourself from hefty liability risk with Umbrella Insurance

As independent agents JJ Insurance works with the best carriers in the world, like Travelers, Safeco, Allied, Nationwide, Auto-Owners, Progressive, to find you the best policy at the best rates possible. Call us at 303.871.8880 or request your free quote now!

Most people think they have adequate insurance on their homes and personal property, as they don’t normally think about what would happen if an accident caused damages beyond the limits of a standard home or auto policy. But wait a minute, when big accidents happen, umbrella insurance can take the fall for you, not the other way around.

You might be asking yourself, what is Umbrella Insurance and do I really need this type of coverage? You won’t really know the answer until you speak with one of our agents who’ll explain everything in detail, and listen to your specific situational goals. Then, you get to decide, which options and coverages are right for you and your family.

About Umbrella Insurance

Umbrella insurance is a type of policy that provides protection for the assets and income of the insured, in addition to the primary policies that are in place. This type of insurance fills in coverage gaps that may exist in those primary policies.

Generally, an umbrella policy is considered to be pure liability coverage that provides additional protection above that which is provided by the regular policy. This type of policy can also provide coverage for claims that may not be covered by primary policies such as invasion of privacy, slander/libel, and false arrest.

How it Works

Umbrella policies are usually purchased in one million dollar increments. If the policy holder has a homeowners policy with a liability limit of $200,000, and an auto policy with a limit of $400,000, with an umbrella policy in place the limits become $1,200,000 on the homeowners policy and $1,400,000 on the auto policy.

A bit confused, no worries, we’ll answer all of your questions!