The top-rated umbrella insurance agent in Centennial, Colorado is Farmers Insurance: Matthew Moriarity, rated 4.9 stars across 343 reviews. Other highly rated options include Compass Insurance, The Brokerage Insurance Group, Farmers Insurance - Mark Glucksman. This directory lists 15 umbrella insurance agents serving Centennial.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance: Matthew Moriarity | 6909 S Holly Cir STE 302 | (303) 798-3081 |
| 2 | Compass Insurance | 7383 S Alton Way | (303) 996-9000 |
| 3 | The Brokerage Insurance Group | 6300 S Syracuse Way #270 | (720) 443-2886 |
| 4 | Farmers Insurance - Mark Glucksman | 7200 E Dry Creek Rd Ste B101 | (303) 794-7306 |
| 5 | Avalue Insurance | 7700 E Arapahoe Rd Ste 330 | (303) 773-3332 |
| 6 | Farmers Insurance - Robert Hoery | 5975 S Quebec St STE 209 | (303) 220-7688 |
| 7 | Centennial State Insurance Group | 9200 E Mineral Ave #100 | (720) 548-3222 |
| 8 | Insurance Group of Denver | 6909 S Holly Cir STE 360 | (720) 436-1990 |
| 9 | Aaron J. Perea Agency Inc American Family Insurance | 12835 E Arapahoe Rd Ste 1-880 | (303) 799-6961 |
| 10 | Gregory D Peterson Insurance, LLC | 8200 S Quebec St A3-249 | (303) 437-3521 |
Farmers Insurance: Matthew Moriarity serves the Centennial, Colorado area as an umbrella insurance agent, providing additional liability coverage beyond standard home and auto policies. This type of insurance helps protect clients from major claims and lawsuits, offering broader financial security for their assets and future earnings. Umbrella policies typically cover incidents such as accidents on the property or personal injury claims. Matthew Moriarity also helps clients with related coverages like personal liability and excess liability insurance.
Compass Insurance provides a range of umbrella insurance services for clients in Centennial, Colorado, offering additional liability coverage that extends beyond the limits of standard home and auto policies. It works with policyholders to evaluate their existing coverage gaps and secures higher limits to protect assets from major claims. Regular policy reviews help clients adjust their coverage as needs change. Compass Insurance serves single-family homes, apartments, retail locations, and restaurants.
Homeowners, businesses, and property managers in Centennial, Colorado, turn to The Brokerage Insurance Group for umbrella insurance agent services. They arrange excess liability coverage that activates after primary policies limit is reached, safeguarding assets from major claims. An umbrella policy also helps cover legal defense costs not included in standard homeowners or auto packages. Many serious liability risks exceed typical policy caps, making this extra layer a practical buffer. They also serve clients throughout the Denver metropolitan area, including nearby Greenwood Village and Littleton.
Farmers Insurance - Mark Glucksman serves Centennial, Colorado, and the surrounding Denver metro communities. As an umbrella insurance agent, the agency handles excess liability coverage that extends beyond the limits of standard homeowners and auto policies. This additional layer of protection helps safeguard personal assets against major claims or lawsuits. The agency evaluates each client’s unique liability exposures individually. It then structures a policy that provides higher coverage limits, ensuring comprehensive financial protection for the client’s specific risk profile.
Avalue Insurance in Centennial, CO, distinguishes between one-time coverage evaluations for specific needs and recurring policy reviews that adjust as personal assets or liabilities evolve. Umbrella insurance provides extra liability protection above standard home and auto policies, helping safeguard savings and future earnings from major claims. Clients can schedule service on an as-needed basis, such as when acquiring significant new assets or changing their risk exposure.
Farmers Insurance - Robert Hoery offers specialized umbrella insurance agent services in Centennial, Colorado, providing an additional layer of personal liability coverage beyond standard policies. Its general service work helps clients protect assets from major claims and lawsuits. The agency assists with structuring coverage limits to address local risks, such as those from auto accidents or property incidents common in the Denver metro area. As winter approaches, it can help secure extra liability protection against potential injuries on icy driveways or sidewalks after snowstorms.
With spring storms increasing across the Front Range, homeowners often realize their standard policies lack sufficient liability coverage. Centennial State Insurance Group in Centennial, CO specializes in umbrella insurance to bridge those gaps and protect personal assets from major claims or lawsuits. They work with clients to review existing home and auto policies before recommending appropriate excess liability limits. The first step typically involves a brief consultation to examine current coverage and identify any vulnerability, followed by scheduling a straightforward personal risk assessment.
Insurance Group of Denver provides personal and commercial liability coverage, with a key focus on umbrella policies that extend protection beyond standard limits. As an umbrella insurance agent in Centennial, Colorado, the company helps clients manage risks that could otherwise threaten assets or future earnings. These additional layers of coverage are designed for individuals and businesses seeking broader financial security. Commercial services are available for a range of operations, including professional offices, industrial warehouses, and food service establishments.
Aaron J. Perea Agency Inc American Family Insurance provides umbrella insurance for residential clients in and around Centennial, Colorado, addressing liability beyond standard home or auto policies. The agency also arranges commercial umbrella coverage for local businesses with larger risk exposures. Operating throughout the Centennial metro area, the company focuses on helping policyholders protect their assets from major claims. After an initial consultation and policy setup, the agency contacts customers when a policy renewal is due, ensuring coverage remains current between regular household or business insurance reviews.
What Does an a Umbrella Insurance Agent in Centennial Cost?
The typical cost for a 1 million dollar umbrella policy in Colorado ranges from 150 to 300 dollars per year. A 2 million dollar policy usually costs between 250 and 500 dollars annually. Premiums are lower if you bundle with your auto and home insurance from the same carrier. Factors like driving record, property value, and number of vehicles affect the rate. This is general information and not insurance advice.
About umbrella insurance agents in Centennial
An umbrella insurance agent in Centennial Colorado can help you secure extra liability coverage beyond your auto and home policies. Colorado law requires minimum auto liability limits of 25/50/15 but an umbrella policy adds a layer of protection for major claims. Local agents understand the risks of Colorado weather and recreational activities that can increase liability exposure.
Frequently Asked Questions
What does an umbrella insurance agent in Centennial do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims above your existing home and auto limits. The agent assesses your assets and risks to recommend an appropriate coverage amount. They also explain how Colorado laws affect policy terms and claim procedures.
How much umbrella coverage should I get in Colorado?
Most agents recommend at least 1 million dollars in umbrella coverage for homeowners in Centennial. Higher net worth individuals often choose 2 to 5 million dollars. The right amount depends on your assets, income, and potential liability from activities like owning a pool or hosting events.
Does Colorado law require umbrella insurance?
Colorado does not require umbrella insurance by law. However it is strongly advised if you have significant assets or face higher liability risks. Umbrella policies also cover certain lawsuits that your base policies may exclude, such as defamation or false arrest claims.
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