Just Like an Umbrella Protects You From a Downpour, Umbrella Insurance Protects You From Larger Claims
There may come a time when your regular insurance just isn't enough. An umbrella policy provides liability coverage over and above your standard auto insurance or homeowners insurance. Umbrella policies offer protection for you and your family against large and potentially devastating liability claims or judgments. In short, a personal umbrella policy kicks in right where your other liability limits have been reached.
While umbrella policies may be optional, they do provide extra protection. If you are sued for $1 million after an accident and your insurance only covers $250,000, your umbrella policy can cover the difference up to your policy limits.
Umbrella policies can also include coverage for the following situations:
  • If you're sued over an incident covered by your umbrella policy, your provider may retain and pay for your attorney.
  • You're protected no matter where you are—even when you're out of the country.
  • You could be covered for any wages lost due to a court appearance, up to the limits specified in your umbrella policy.
  • An agent can give you more information about umbrella insurance so you can make an educated decision about the coverage levels you want.


If you're worried that you or your family are not covered enough in the event of an accident, give the Howard Insurance Group a call today!


Insurance shouldn't be a hassle and the Howard Insurance Group knows it. They're here to help you find the right policy for your needs and to keep you covered no matter what. Trust the Howard Insurance Group to give you peace of mind all day, every day. 




The Howard Insurance Group is committed to helping Colorado residents assess their immediate and long-term needs and choose options that will help them achieve their goals. When you want to explore options for protecting your home, personal property, or financial future, we're available to answer your questions. If you’re already a customer, we're ready to review your coverage so that you can make any necessary adjustments to fit your changing needs. 

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  • 333 W Hampden
    Ave Ste 760
    Englewood, CO, 80110

    (303) 578-5997 | Get Directions