The top-rated umbrella insurance agent in Brighton, Colorado is Colorado Prestige Insurance Group, rated 4.8 stars across 265 reviews. Other highly rated options include Melissa Rippy: Allstate Insurance, TAG-RH Agency Inc, Strongs Insurance Agency. This directory lists 20 umbrella insurance agents serving Brighton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Colorado Prestige Insurance Group | 55 S 4th Ave | (303) 659-4744 |
| 2 | Melissa Rippy: Allstate Insurance | 220 Pavilions Pl Unit D | (303) 219-1470 |
| 3 | TAG-RH Agency Inc | 29 N Main St Ste 111 | (303) 456-6800 |
| 4 | Strongs Insurance Agency | 51 S 1st Ave | (303) 659-3762 |
| 5 | Sunil Pathak: Allstate Insurance | 710 E Bridge St | (303) 659-8600 |
| 6 | Farmers Insurance - Brian Holley | 2700 E Bridge St # 203 | (303) 558-0653 |
| 7 | JnR Insurance Agency Powered by YourPolicy | 21 N 1st Ave suite #140 | (720) 773-5574 |
| 8 | Best Agent Health Insurance | 5118 Southern St | (303) 257-3864 |
| 9 | Hessling Insurance Agency | 605 S Kuner Rd #102 | (720) 403-3974 |
| 10 | F.M. Zamora Agency, Inc. American Family Insurance | 467 S 4th Ave | (303) 655-1300 |
Colorado Prestige Insurance Group serves the Brighton, Colorado metro area as a local agency for umbrella insurance policies. An umbrella policy offers extra liability coverage that begins after the limits of a standard auto or homeowners policy are exhausted. This specialist agent helps homeowners and drivers protect their assets against large claims or lawsuits. The agency handles personalized policy reviews to determine adequate coverage limits and tailors protection for clients with rental properties or recreational vehicles. Coordination of umbrella coverage with existing auto policies is a specific service this agency provides.
Melissa Rippy: Allstate Insurance in Brighton, CO, provides personal umbrella insurance, offering extended liability coverage beyond standard policies. It helps protect against large claims and lawsuits, with options to adjust limits as needs change. Plans typically cover a range of scenarios, including property damage and bodily injury. The agency assists clients with claims and policy management. It services single-family homes, apartments, retail locations, and restaurants in the Brighton area.
TAG-RH Agency Inc serves homeowners, businesses, and property managers seeking supplemental liability protection in the Brighton area. The independent agency connects clients with umbrella insurance policies designed to extend coverage beyond standard limits. These policies can help protect assets from large claims or lawsuits that might otherwise exceed primary policy caps. The agency assists with explaining coverage options and tailoring policies to individual risk profiles. TAG-RH Agency Inc also works with clients located in the nearby communities of Fort Lupton and the broader northern Denver metro region.
Strongs Insurance Agency serves clients in Brighton, Colorado, and the surrounding communities within Adams and Weld counties. The company handles umbrella insurance policies designed to provide extra liability coverage beyond standard auto and homeowners limits. These policies help protect personal assets from major claims and lawsuits. For a typical job, the agency evaluates the client’s existing primary policies and assets to recommend an appropriate coverage level, then coordinates with current insurers to bind a seamless policy extension.
Sunil Pathak: Allstate Insurance in Brighton, CO offers umbrella insurance through either a single-term policy or as an ongoing renewal service. These policies add a layer of liability protection that extends above the limits of standard home and auto coverage, safeguarding personal assets and future earnings from major claims or lawsuits. This agent provides thorough consultation to help clients determine the appropriate coverage amount. Service runs on a one-time, scheduled, or as-needed basis depending on policy changes.
As winter weather threatens Brighton roads with hidden ice and sudden liabilities, Farmers Insurance - Brian Holley provides umbrella insurance coverage that extends beyond standard policy limits. This local agent helps homeowners and drivers protect their assets against major claims arising from accidents or incidents on their property. An umbrella policy adds an extra layer of financial security for those who want broader protection. The process begins with a straightforward coverage review to assess each client specific needs and gaps.
JnR Insurance Agency Powered by YourPolicy in Brighton, CO provides specialty umbrella insurance services that extend liability coverage beyond standard auto, home, or watercraft policies, protecting clients from major claims and lawsuits. It serves local residents and small businesses seeking increased financial security through additional policy layers. The agency works to match each client’s specific risk profile with a suitable liability limit. Colorado’s frequent hailstorms and sudden flooding events make additional coverage especially valuable for protecting property assets during these seasonal weather threats.
Best Agent Health Insurance provides umbrella insurance coverage to clients in Brighton, Colorado. This type of policy adds liability protection beyond standard auto and homeowners limits. The agency helps local individuals and businesses secure broader financial safeguards against major claims or lawsuits. These policies cover legal costs and settlements that exceed underlying insurance caps. Common commercial clients who benefit from this extra layer include office spaces, warehouses, and food service operations.
Hessling Insurance Agency in Brighton, CO is known for providing umbrella insurance coverage that extends liability protection beyond standard home and auto policies. This agency serves local residents and small businesses seeking additional financial safeguards against major claims or lawsuits. Their services include assessing personal liability risks and tailoring extra coverage limits to match individual assets. As a specialty service, they can add on personal injury protection for libel or slander claims.
F.M. Zamora Agency, Inc. American Family Insurance provides residential umbrella insurance coverage for homeowners in Brighton, Colorado, offering additional liability protection beyond standard policies. Their commercial services include similar excess liability options for local small businesses. They serve clients throughout the Brighton area. Follow-up appointments are scheduled between regular policy reviews to adjust coverage limits as needed, helping maintain consistent protection for evolving household or business assets.
What Does an a Umbrella Insurance Agent in Brighton Cost?
Umbrella insurance in Colorado typically costs between 150 and 400 dollars per year for 1 million dollars in coverage. Each additional million usually adds 75 to 150 dollars annually. Costs vary based on your driving record, number of properties, and claims history. This is general information and not insurance advice.
About umbrella insurance agents in Brighton
An umbrella insurance agent in Brighton Colorado helps you secure additional liability coverage that goes beyond your auto or home policy limits. Colorado law requires minimum auto liability coverage but a serious accident can exceed those limits quickly. A local agent can explain how umbrella policies work with your existing insurance to protect your savings and future earnings.
Frequently Asked Questions
What does an umbrella insurance agent in Brighton do?
An umbrella insurance agent reviews your current home and auto policies to determine the right amount of extra liability coverage. They help you purchase a policy that kicks in after your primary insurance limits are used up. This is important in Colorado where medical costs and lawsuit settlements can be high.
How much umbrella coverage do I need in Colorado?
Most Colorado agents recommend at least 1 million dollars in umbrella coverage. The exact amount depends on your assets, income, and risk factors like owning a pool or rental property. Your agent will calculate a limit that protects your net worth.
Is umbrella insurance required by law in Colorado?
No, Colorado does not require umbrella insurance by law. However, it is strongly advised if you have significant assets or face higher liability risks. Colorado follows a modified comparative fault rule which can affect how damages are awarded in lawsuits.
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