For homeowners in Littleton, CO, having the right type of insurance policy that adequately protects the home is important. One type of policy that is often asked about is umbrella insurance and whether it is included in the homeowner’s policy. An umbrella policy is separate from your homeowner’s policy. It is considered an add-on. When you speak with one of our agents at Front Range Insurance Services, we will go over the benefits of having an umbrella policy so you can decide if it is right for you. <\/p>\n
With a homeowner’s policy in place, you have liability coverage with set limits for how much the policy covers. If you do not have umbrella insurance, once your policy reaches its limits, you are responsible for any additional expenses. <\/p>\n
With separate umbrella insurance, the policy steps in when the limits of your homeowner’s policy have been reached. For example, if someone is severely injured while visiting your property, or you are sued due to an accident, once your homeowner’s policy limits are depleted, umbrella coverage takes over. An umbrella policy can also step in if a personal injury claim is filed against you. <\/p>\n
For Colorado residents, you must have active homeowners and auto insurance policies. Both policies must be set at a high limit for liability coverage. If the limits are too low, they will need to be increased before you can qualify for an umbrella policy, <\/p>\n
If you are considering adding an umbrella policy to your coverage for your home in Littleton, CO, there’s no time like the present to contact our team at Front Range Insurance Services for assistance. Keeping you and your home protected is our focus. Give us a call or use our convenient online form to send our agents an email. <\/p>\n","protected":false},"excerpt":{"rendered":"
What to Know About Homeowners Insurance and Umbrella Insurance For homeowners in Littleton, CO, having the right type of insurance policy that adequately protects the home is important. One type of policy that is often asked about is umbrella insurance and whether it is included in the homeowner’s policy. An umbrella policy is separate from […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[23,5,21,22,31],"class_list":["post-305","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-co","tag-front-range-insurance-services","tag-insurance","tag-littleton","tag-umbrella"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t