Two Words: Minimum Liability

So you purchased insurance for your home and car and thought you were getting a deal on paying for minimum coverage. That should be enough, right? Wrong.

As it turns out, you're footing the bill for anything that isn't paid for by insurance. If you're being sued for $150,000 due to bodily injury in an accident you caused and you only have a $25,000 policy, guess who's paying the remaining $125,000? You are, that's who. 

When it comes to homeowner's insurance, investing in an amount at least three times the minimum liability will keep you from financially foundering should damage and repairs outweigh your policy. You may think that this will cost you more, but with a higher deductible, you end up paying less each month. 

If you're worried that you're not covered enough in the event of an accident or natural disaster, 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. 

Get In Touch With Us

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

    (303) 578-5997 | Get Directions