Despite its name, umbrella insurance isn’t just for big companies or high-risk industries. This type of coverage is equally important for individuals and families. If you own a home, drive a car, or simply want to protect what you’ve worked hard to build, umbrella insurance through your insurance agent at Front Range Insurance Services, serving Littleton, CO, is worth considering.

The Role of Umbrella Insurance

Umbrella insurance provides additional liability coverage beyond what your standard policies offer. If you’re involved in a serious car accident, or if someone is injured on your property and sues, your home or auto insurance will only cover up to a certain limit. If damages exceed that limit, you could be responsible for the rest. Umbrella insurance helps cover that gap.

Why Individuals Might Need It

You don’t need to be a millionaire to face a million-dollar lawsuit. A simple accident—like a dog bite, a fall on your property, or a car crash involving multiple people—can lead to legal claims that exceed your basic coverage. Umbrella insurance steps in where other policies stop, helping to protect your assets, savings, and future income.

It’s Not Just for the Wealthy

Some people assume umbrella insurance is only for the wealthy. In reality, it’s an affordable way to get high levels of protection. Many policies start with $1 million in coverage and cost less than you might expect—often just a few hundred dollars a year.

If you’re unsure whether you need umbrella insurance, talk to your agent at Front Range Insurance Services, serving Littleton, CO. It starts with a simple conversation that could provide significant reassurance, regardless of your income or lifestyle.