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Compare Umbrella Insurance Agents in Commerce City, CO
Directory of umbrella insurance agents in Commerce City, Colorado. Verify credentials with the state department of insurance before hiring.
17 agents listed
Updated May 2026
Commerce City, CO
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Colorado before hiring.
Showing 17 umbrella insurance agents in Commerce City, CO
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Carl Marx & Associates, LLC American Family Insurance
13659 E 104th Ave #550, Commerce City, CO 80022
(303) 457-0053
amfam.com
Geoffrey Torres American Family Insurance
13659 E 104th Ave #550, Commerce City, CO 80022
(303) 429-7024
amfam.com
De Paz Insurance Agency
7290 Magnolia St, Commerce City, CO 80022
(720) 993-7343
depazinsuranceagency.com
Blair & Blair Insurance Unlimited
6401 E 72nd Ave, Commerce City, CO 80022
(303) 286-1235
blairblairinsurance.com
Derby Business Solutions and Derby Insurance
6537 E 72nd Pl, Commerce City, CO 80022
(303) 288-4400
dbstaxfirm.com
InsurB Inc.
7249 Magnolia St, Commerce City, CO 80022
(720) 660-9365
insurb.us
National Insurance Colorado
5945 E 62nd Ave, Commerce City, CO 80022
(303) 952-1494
Farmers Insurance - Robert Carrillo
18335 E 103rd Ave UNIT 204, Commerce City, CO 80022
(720) 502-6247
agents.farmers.com
Flourish Insurance CO
7260 Magnolia St, Commerce City, CO 80022
(719) 497-2584
The Day Agency
13599 E 104th Ave #600, Commerce City, CO 80022
(303) 252-4855
denverdayagency.net
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.
What Does 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.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
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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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Colorado.