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Umbrella Insurance in Northern Colorado

Extra Protection When You Need It Most

Accidents and lawsuits happen when you least expect them — and the costs can be devastating. With settlements and judgments on the rise, your standard liability policies may not be enough. That’s where umbrella insurance in Northern Colorado comes in, adding an extra layer of protection to safeguard your assets and your future.

What Umbrella Insurance Covers

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Extended Liability Protection

Covers costs that exceed the limits of your auto, home, or business liability insurance.

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Bodily Injury Claims

Provides additional coverage if someone is injured on your property or in an accident you’re responsible for.

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Property Damage Claims

Protects against high-cost damages you may cause to another person’s property.

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Personal Liability

Covers claims like libel, slander, or defamation that standard liability policies may not fully address.

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Legal Defense Costs

Helps cover attorney fees, settlements, and judgments beyond your existing policy limits.

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Worldwide Coverage

Extends protection for covered incidents that occur outside the United States.

Benefits of Umbrella Insurance

Umbrella insurance is peace of mind in its purest form. Instead of worrying whether your standard coverage is enough, an umbrella policy ensures you’re prepared for the unexpected. From multimillion-dollar lawsuits to catastrophic claims, this extra protection shields your savings, investments, and future income. With nearly three decades of experience, Chris will walk you through the details so you’ll know exactly what’s covered.

Frequently Asked Questions

  • How does umbrella insurance work?

    If a claim exceeds the limits of your auto, homeowners, or business liability policy, umbrella insurance steps in to cover the remaining costs up to your policy limit.

  • Who needs umbrella insurance?

    Anyone with significant assets, high liability risks, or a desire for added financial protection can benefit. Homeowners, business owners, landlords, and high-net-worth individuals are especially good candidates.

  • How much umbrella coverage should I buy?

    Most policies range from $1 million to $5 million in additional coverage. The right amount depends on your assets, income, and risk exposure.

  • Is umbrella insurance expensive?

    No. Compared to the amount of coverage it provides, umbrella insurance is often considered one of the best values in insurance.

From our office in Northern Colorado, we proudly serve clients across Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona. Whether for personal or business needs, Chris Young Agency will help you find the right umbrella coverage to protect what matters most.

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