The top-rated umbrella insurance agent in Commerce City, Colorado is Eddie Olivas - State Farm Insurance Agent, rated 4.8 stars across 290 reviews. Other highly rated options include Tyrone Byrd - State Farm Insurance Agent, Aspen Insurance Group, Premier Group Insurance Commerce City Colorado. This directory lists 17 umbrella insurance agents serving Commerce City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Eddie Olivas - State Farm Insurance Agent | 7270 Magnolia St | (303) 288-8880 |
| 2 | Tyrone Byrd - State Farm Insurance Agent | 13611 E 104th Ave #700 | (720) 535-1191 |
| 3 | Aspen Insurance Group | 6990 E 72nd Ave | (720) 542-9556 |
| 4 | Premier Group Insurance Commerce City Colorado | 6990 CO-2 | (720) 645-1908 |
| 5 | Medina Professional Insurance | 6755 E 72nd Ave | (303) 227-9010 |
| 6 | Marcus Sanchez - State Farm Insurance Agent | 18220 E 104th Ave #102 | (303) 835-9938 |
| 7 | ASAP Insurance & Taxes | 6105 E 72nd Ave Unit B | (720) 990-8329 |
| 8 | Carl Marx & Associates, LLC American Family Insurance | 13659 E 104th Ave #550 | (303) 457-0053 |
| 9 | De Paz Insurance Agency | 7290 Magnolia St | (720) 993-7343 |
| 10 | InsurB Inc. | 7249 Magnolia St | (720) 660-9365 |
Eddie Olivas - State Farm Insurance Agent serves the Commerce City, Colorado area, offering umbrella insurance policies that provide additional liability coverage beyond standard home and auto policies. These policies protect personal assets from major claims or lawsuits with higher coverage limits. The agency also provides homeowners insurance to safeguard local residences against property damage and liability. Finally, it handles commercial auto insurance for businesses in the Commerce City region.
Tyrone Byrd - State Farm Insurance Agent provides umbrella insurance services for clients in Commerce City, CO, offering an extra layer of liability protection that goes beyond standard policies. Its service plans include consultations to assess coverage gaps and annual reviews to adjust limits as personal assets or risk exposures change. The agency crafts policies that cover legal fees and damages from major claims, ensuring broader financial security. It services single-family homes, apartments, retail locations, and restaurants.
Aspen Insurance Group serves homeowners, businesses, and property managers in Commerce City, Colorado, who need umbrella insurance to extend their liability coverage beyond standard policy limits. This type of coverage helps protect assets from large claims or lawsuits that could otherwise exceed existing homeowners, auto, or commercial policies. The agency guides clients through selecting appropriate excess liability limits for their specific risks and financial situations. Its service area also includes the neighboring Denver metro communities of Brighton and Northglenn.
Premier Group Insurance serves Commerce City, Colorado, and the surrounding metro area communities, handling umbrella insurance policies that provide extra liability coverage beyond standard home and auto policies. These policies help protect clients from major claims and lawsuits. To assess a typical job, the agency begins by reviewing a client’s existing coverage limits and identifying potential gaps in liability protection. It then selects appropriate excess coverage amounts tailored to the client’s asset profile and risk exposure, finalizing the policy to extend over underlying plans.
Medina Professional Insurance in Commerce City, CO distinguishes between one-time policies for temporary high-value asset protection and recurring annual umbrella coverage for ongoing liability management. Their umbrella insurance agents assist clients in securing supplementary liability limits above standard home and auto policies, which is a common need in this region. With this service, you can work with an independent agent to tailor a plan. Service runs on a one-time or scheduled basis depending on your renewal cycle.
As an umbrella insurance agent, Marcus Sanchez - State Farm Insurance Agent in Commerce City, CO offers specialized liability coverage that extends beyond standard policy limits to protect personal assets. The office also provides general insurance services tailored to local residents and small businesses. This supplemental protection helps cover legal costs and claims not fully addressed by home or auto policies. Many clients in the Denver metro area seek such coverage during late spring, when increased outdoor gatherings and summer activities raise liability exposure risks.
As spring storms often sweep across Commerce City, property owners rely on umbrella insurance for extra liability protection beyond standard policies. ASAP Insurance & Taxes helps residents and businesses assess their need for this broader coverage that activates after underlying policy limits are exhausted. The agency explains how umbrella insurance shields assets from major claims or lawsuits that could arise from accidents on your property. To begin protecting your financial future, an initial consultation reviews your current policies and determines your appropriate umbrella coverage level.
Carl Marx & Associates, LLC American Family Insurance assists clients in Commerce City with their general insurance needs, specializing in umbrella liability coverage to provide additional financial protection beyond standard policies. This extra layer of coverage helps safeguard personal assets and future earnings from major claims. The agency works with businesses and individuals, serving local commercial sectors such as offices, warehouses, and food service operations.
De Paz Insurance Agency in Commerce City, CO is a local resource for personal umbrella coverage that extends liability protection well beyond the limits of standard auto and homeowners policies. The agency serves individuals and families seeking an extra layer of financial defense against large claims or lawsuits. It also advises clients on how umbrella insurance fills gaps in existing coverage. As a specialty service, the agency can coordinate excess liability limits for those with rental properties or watercraft.
What Does an a Umbrella Insurance Agent in Commerce City Cost?
Umbrella insurance in Colorado typically costs between 150 and 300 dollars per year for 1 million dollars of coverage. For 2 million dollars, the cost is usually 200 to 400 dollars per year. Rates vary based on your home value, number of cars, and driving record. This is general information and not insurance advice.
About umbrella insurance agents in Commerce City
Umbrella insurance agents in Commerce City Colorado help you add an extra layer of liability protection beyond your home and auto policies. Colorado law allows insurers to offer umbrella policies that cover claims like libel or slander, which are not always included in standard plans. Working with a local agent ensures your coverage meets state requirements and fits your specific needs.
Frequently Asked Questions
What does an umbrella insurance agent do in Commerce City?
An umbrella insurance agent helps you buy a policy that provides extra liability coverage after your home or auto insurance limits are used up. The agent reviews your assets and risks to recommend a coverage amount. They also explain how Colorado law affects your policy, such as the state's comparative negligence rules.
How much umbrella coverage should I get in Colorado?
Most agents recommend at least 1 million dollars in umbrella coverage for homeowners in Commerce City. Colorado has high medical costs and a history of large lawsuit verdicts, so higher limits like 2 or 5 million may be wise for those with significant assets. Your agent can help you decide based on your net worth and risk factors.
Does Colorado law require umbrella insurance?
No, Colorado does not require umbrella insurance by law. However, it is often required by auto or home insurers if you have high liability limits. Colorado also follows a modified comparative fault rule, meaning you can still recover damages even if you are partly at fault, which makes extra coverage useful.
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